vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a notice from Equifax dated XX/XX/2019, with the Confirmation # XXXX. It appears to refer to some kind of dispute, and says " The results of the dispute you recently filed with Equifax are now complete. '' I do not find it possible to understand the language that follows. I know of no dispute. So I phoned Equifax at the number given in the notice. The Equifax representative asked me a number of questions, which I answered, including what my current credit cards are and their balances. She then asked me what my past credit cards were, and when I had them. I told her that i have had my existing credit cards and no others for years, and I don't recall any details about which ones I may have had a long time ago.. The Equifax representative refused to give me any information about the notice they had sent me.

Surely I must be entitled to an explanation of whatever it is that Exquifax wrote to me about. I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On XX/XX/2019, I emailed a request for name change with all requested documents ( requested by Amerihome Mortgage, my mortgage provider ). Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

Further, on XX/XX/2019 I emailed a request to draft my payments from a new account. Their reference number : XXXX-XXXX. They did not process my paperwork as of today 's date : XX/XX/2019. 

I spent 20 minutes on the phone with them ( one line staff, one supervisor ) today trying to resolve this issue. They claim they sent the draft change today for processing and could not find the name change document. 

They are unresponsive, waste my time, and I'd like to waste theirs by having to respond to you about their lack of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
I own two homes that are financed through a VA loan. The first home located in XXXX, XXXX  is financed using a VA loan with XXXX XXXX XXXX XXXX ( XXXX ). The second home located in XXXX, XXXX is financed using a VA loan with Cardinal Financial. 

I recently refinanced my second home loan with Cardinal Financial. I believe the actual closing date was Friday, XX/XX/XXXX. I received the cash out funds through a wire transfer to my bank account on Monday, XX/XX/XXXX. 

On XX/XX/XXXX, a representative from Cardinal Financial sent me an email stating the following : " As we discussed on the phone, the VA is stating you do not have enough eligibility to qualify for the new house plus keep the XXXX XXXX property on the VA loan. Please let me know once you have spoken to the realtor regarding selling the property. The other option is to refinance XXXX loan to a conventional loan. '' This information was never provided to me prior to refinancing my home in XXXX. It was only provided after closing. The representative also suggested that when I refinanced my home in XXXX, that the new interest rate on the conventional loan would be 1 % higher than my current rate using the VA loan provided by XXXX. 

After doing some research, I found that not only did Cardinal Financial charge me a higher interest rate than other banks to refinance, but one of their representatives was also trying to cover up a mistake the bank made by convincing me to refinance my first home loan to resolve the issue. I also found out that due to the error that Cardinal Financial made my XXXX home would no longer be eligible for an interest rate reduction loan that is normally provided by the VA 210 days after I make my first mortgage payment. 

I requested that the Cardinal Financial representative fix this issue by providing a conventional loan at 3.25 % at XXXX cost to me since the error was on their part. But I have not heard back from any Cardinal Financial representative regarding my recommendation on how to fix this issue. 

I would appreciate it if the Consumer Financial Protection Bureau could assist me with resolving this issue so that I can be eligible for the VA interest rate reduction loan in the future for my home in XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I was behind on mortgage payments but had agreed to a repayment plan. No foreclosure proceedings had began. On a Sunday morning in XX/XX/XXXX, 2 strangers entered my unlocked sliding door. I obviously had a breakdown. 3 police cars came out as I thought I was being robbed. Turned out to be a 3rd party that Shellpoint Mortgage sent. I have had horrible XXXX XXXX  since. 

I reside in a condo so I am required to provide HO-6 ( wall 's in ) insurance. They forced wall 's out insurance although I had my association email them the master policy. The representative had it since XX/XX/XXXXand never updated the system. My agreed repayment for 6 months is XXXX but because of the forced, illegal placed insurance, the amount is over 1300.00. 

So I wouldn't be in default, I made the higher payment in XX/XX/XXXXand was told the payment will go down when the illegal insurance is removed. Also the extra monies paid in XX/XX/XXXXwould be applied to XX/XX/XXXX. I am still unable to make my payment as the system still shows the over 1300.00 payment due and noone can help. The last conversation via email, i was told to contact their IT department. 

Who is the client? I obtained the master policy, made every initial phone call. 

My 4th amendment has been violated as I know longer feel safe in my own home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX, I called transunion for the sixth times, for the last 8 weeks .... to dispute an account thats not reporting to my credit report which is XXXX XXXX .... but is reporting my to my XXXX and XXXX   ... ... so i asked them to update and report the account and they still haven't ... ... ..

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 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
After filing complaint XXXX with the CFPB on XX/XX/2019 ( and a duplicate complaint to a different company listing for " Wells Fargo Home Mortgage '' on XX/XX/2019 ), I have received numerous telephone messages from the " Wells Fargo Division of the XXXX XXXX XXXX '' informing me that they are actively " working to address '' my mortgage complaint. 

Although the voicemail messages sound authentic, I don't believe the CFPB ( or any government agency ) maintains a " Wells Fargo Division '' at this time.

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 2019-04-24 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I was told I had terminal XXXX XX/XX/XXXX, I recently have had 2 surgeries and is currently receiving XXXX treatments. I have submitted several request for mortgage modification with Wells Fargo Home Mortgage. Wells Fargo has been very difficult to work with. Recently on XXXX I submitted request for mortgage modification with my updated financials. There is a property foreclosure sale date set for XX/XX/XXXX, I don't want to lose my home. My wife is the sole provider for our family now Please, Please Help!!!!!

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 2019-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
A company by the name of Portfolio Recovery Associates contacted me at work one day during the week of XX/XX/2019 and I told the young lady very clearly to not call my job or I would in fact sue them. Again today I receive a phone call from the same company Portfolio Recovery Associates # XXXX and I told him again to not ever contact me at my job again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
On or about XX/XX/XXXX, I noticed several pending charges on my Discover card account. I immediately called Discover to report these as a fraud. Discover says these charges were made by my youngest son and that I authorized him to be a user on the card in XX/XX/XXXX. I dispute that narrative. They claim this authorization was made via a XX/XX/XXXX phone conversation with Discover customer service. Discover 's  fraud investigation admits they have not listened to the recording of this conversation but is holding me responsible for these charges citing that I said I don't recall ever adding my son to my card as reason enough to make me pay for them. Further, they refuse to listen to for themselves or share the recording with me. They are demanding I file criminal charges against my son or pay for the fraudulent transactions. 

I had to pay an attorney to subpoena the recording from Discover but to date, they have not produced the alleged recording yet they refuse to put any hold on the account and are demanding payment for the fraudulent transactions.

Discover is using unfair tactics to force me to pay a fraudulent debt that is not mine. Further, they are deliberately damaging my perfect credit by submitting negative information to the credit bureaus about these fraudulent charges. 

I'm nearly XXXX years old and have always paid my bills. I did not authorize anyone to use my account and if Discover has any evidence to the contrary, they need to immediately produce such evidence before demanding I pay or damaging my credit.

This type of practice is unconscionable and Discover should be severely sanctioned for such practices. If they are doing this to me, It is likely they are targeting many other consumers with these same tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Hi we were approved for a mortgage in XX/XX/XXXX for a house in XXXX, GA. We were financed by XXXX XXXX XXXX. They sold the loan to XXXX and then we refinanced with XXXX. Eventually XXXX sold the mortgage back to XXXX. XXXX placed deferred interest on our loan, but we were never late and could not understand why this was done to us. We filed bankruptcy around XXXX and continued to make on-time payment. After the bankruptcy, we were still with XXXX and they tacked on more to the deferred interest going up to {$20000.00}. We are still paying the interest and not just the principle. We believe we are the victims of predatory lending. We have tried repeatedly to talk to XXXX about it, but they went out of business. We tried to talk to XXXX and then they went out of business with no resolve. Now our loan is with Rushmore and they are referring us back to XXXX to address this problem. Please help. Thank you.

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 2019-04-24 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: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24 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: LA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: AES/PHEAA
State: PA

Complaint narrative:
Its saying that my student loan ( PHEAA ) thats being shown on my credit score has increased from a possible missed payment. Its stating that between XX/XX/XXXX to XXXX XXXX I had a balance increase of {$22.00} from {$5500.00} to {$5500.00}. Also and increase of {$18.00} from {$4900.00} to {$4900.00}. Also, its showing between XX/XX/XXXX and XX/XX/XXXX and increase by {$22.00} from {$5500.00} to {$5500.00}. Between XX/XX/XXXX and XXXX XXXX and increase by {$17.00} from {$4900.00} to {$4900.00}. This is false! My student loans have been cleared on my credit report. I dont have any missed payments on my student loans and iam in good standing with my creditors. This is a mistake and it has brought my credit score down 22pts. I called the creditor to verify if I was late on a payment and they said I didnt have one scheduled until XXXX. I still made a payment of {$10.00} on XX/XX/XXXX just To be sure that I made a payment. My confirmation number for this is XXXX This was originally PHEAA WHICH IS SHOWING UP ON MY CREDIT PROFILE but, my loans been transferred to XXXX XXXX and aes XXXX which are now In charge of collecting my debt. Im not behind on any of my student loan payments, so, why is this showing up on my account an now, has brought my credit score down 22pts? Please correct this problem. My creditor for PHEAA IS XXXX AND YOU CAN CONTACT THEM BY MAIL OR NUMBER. XXXX-XXXX-XXXX  address department of education XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX If theres another creditor thats showing up for any other student loan, that shouldnt be since my account has been cleared of student loan payments, it would be from AES. A confirmation number for them will be XXXX. Their contact information is as follows. Number XXXX-XXXX-XXXX  address American Education services XXXX XXXX XXXX XXXX, MD XXXX Both of these accounts are up to date an shouldnt be in delinquency or in a negative balance. I havent missed any payments and I have confirmation numbers of me calling my creditors to verify this issue. They both said Im up to date and in good standing with them. I have no late payments or missed payments that I havent already payed for! Please correct this issue and take this off of my credit report. It has dropped my score down tremendously. Thanks again credit karma for all the help in correcting my depts. 

Ps : I didnt attach my account info or name or address to the papers Im sending because I dont want to give out my personal information if I dont have to. If you need anything else from me I can be contacted through my email XXXX or cell XXXX-XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24 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: IL

Complaint narrative:
I have on a number of occasions submitted a full Idenitiy thef package to Equifax in regards to these fraudlent account open by a Idenitiy thef. 
and Equifax had continue to violate my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 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: LA

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX XXXX partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Stage Funding
State: TN

Complaint narrative:
In XX/XX/2019, my mortgage account was acquired by XXXX XXXX from XXXX XXXX Beginning in XX/XX/2019 I began submitting loan payments to Southwest Stage Funding LLC ( dba XXXX XXXX ) under former XXXX XXXX number XXXX. In late XX/XX/2019, I submitted my XX/XX/XXXX payment as regularly scheduled. On XX/XX/2019, I submitted early XX/XX/XXXX payment. On or about XX/XX/XXXX, I received a mailed notice of late payments from XXXX while almost simultaneously receiving notice via email that my credit score had  changed. When I checked, XXXX had turned in late payment information that had been received by XXXX and XXXX, and my credit score that was +800 points had been reduced by 69 points. I called XXXX customer service at XXXX and was told that because of the difference in computer systems for loans from XXXX, and since it was during the time frame when my adjustable mortgage would see any adjustment in interest rates, along with the payment adjustment, my payments had been placed in " unapplied '' status, and unfortunately their automated reporting system had sent out erroneous late statements. I was told I should dispute the late payment reporting through the credit bureaus, which I did. Those are unresolved to date. However, I called back to customer service on or about XX/XX/XXXX to confirm that the problem had been resolved, but it hadn't. I was told that they were working on getting all of the problems resolved and that my loan would be resolved by COB and I received a call at approximately XXXX on XX/XX/XXXX that they had indeed resolved the issue and my payments had been appropriately applied. Then sometime between XXXX XXXX I received my XXXX monthly statement that reflected the adjustment to my payment, which I DO NOT dispute. What I dispute is that they tacked on " Unpaid Late Charge '' to my statement, which after calling customer service on or about XX/XX/2019 at XXXX, told me that my disputing the late charge would have to be escalated to a manager, and within seconds I was disconnected. No matter how large or small, I do not owe any " Unpaid Late Charge '' because they failed to properly credit my on time payments to my account when received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
XX/XX/2011 purchased 2006 XXXX from XXXX ... vehicle financed by santander consumer for 72 months..96 months later still paying for vehicle and santander says I have a balance of XXXX ... santander sent paperwork to me to modify loan to pay XXXX in 14 months ... amount financed by santander was XXXX XXXX total of payments XXXX ... .total sale price XXXX ... .i have paid santander over XXXX on a 2006 vehicle and they say I still owe XXXX ... I have bought a lot of vehicles and every vehicle was paid in full when the scheduled number of payments were made..do not feel I should pay santander another dime to get my title.

Company response to consumer: Closed with explanation