vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-17 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been disputing inaccurate items on my Equifax credit report since XX/XX/2019. Aside from the fact that they have barely responded, or made any changes to the inaccuracies, I just received a letter stating that my social security number belongs to a deceased person. I reached out to the Social Security Administration and they assure me everything is good on their end. I am outraged that Equifax is making these bogus claims to get out of investigating my disputes and doing their jobs. I have included below the letters I've sent to Equifax as well as the letter stating my social security number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: SC

Complaint narrative:
I obtained a mortgage with Ameris Bank on XX/XX/XXXX. Since then, my monthly statements do not provide me sufficient information regarding my mortgage that is outlined in Regulation Z. The statement does not provide my outstanding balance, activity since last statement, escrow information, and escrow activity. I contacted Ameris on XX/XX/XXXX, and will be receiving a loan history. I was informed that, basically, my loan will be sold and they do comprehensive statements. I have no idea if this bank falls under a small servicer exemption but hope I can start obtaining more comprehensive statements going forward. I do not want to call the bank monthly to get my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX I found out the my modification for my mortgage loan was denied due to the amount of time that Ive been on the property however my employment was dropped a week before I closed on my home which helped me in a terrible situation to try to pay I tried paying for months but with me losing my husband in income I was not able to keep up I was very disturbed by Mr. CooperIn the business practices that they have they clearly seen that I wasnt able and my income dropped low and they are not willing to help, yesterday I talk to them about a repayment plan and that was an option because my account is already in the foreclosure department I dont have a date of sale yet but I am in the foreclosure department and that was their reason for not helping me is there anything that you guys could do to help me save my home I havent been in the house even a year yet but I have recently got back on my feet but Im not able to keep up with the payments that are behind

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX XXXX  AND XXXX XXXX XXXX   ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-01-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON THE DISPUTED ACCOUNTS. MY XXXX, XXXX BANK AND XXXX XXXX BANK ACCOUNT ARE REPORTING LATES. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Contacted ARS ACCOUNT RESOLUTION, to get information about a debt. A woman named XXXX, became very rude and aggressive, using a condescending tone and got loud, rude and disrespectful, when I was asking simple questions. Had ZERO customer service skills.

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 2020-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Continuous phone calls all day from a collection agency. When I answer they hang up. When I call the number back they say I owe money to XXXX insurance which I do not. They are incorrectly reporting on my credit report and it's causing a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have XXXX credit cards. All are at a zero balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with XXXX on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted XXXX but they state this is their SOP and it will remain this way ... .PERIOD.

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 2020-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Previous vehicle sold to me were under false pretenses and misleading information. The vehicle had manufacturer defects as it was just redesigned with defects that weren't found during manufacturing. A similar vehicle was obtained to replace the defective vehicle and several ( 15 ) credit inquiries were made to approve a line of credit to finance the vehicle sale. The attached retain installment contract is not accurate and the dealership along with the manufacturer needs to remedy the situation by replace and repurchase the vehicles and any and all possible solutions to rectify the situation to avoid litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased a vehicle from GM financial. For three years I made payments on time, and after going through the return process, I made my close-out payment on XX/XX/XXXX. At that point, the account was completely clear. Never at any time was I made aware that GM financial viewed my account as being past due or delinquent.

On XX/XX/XXXX, GM financial notified XXXX  ( and probably the other two credit bureaus as well ) that my account was delinquent. On XX/XX/XXXX, GM Financial notified XXXX that my account had been improved. I had had no contact with GM Financial regarding my account subsequent to my last payment on XX/XX/XXXX, so whatever " improved '' the account had nothing to do with me. 

GM Financial 's erroneous report of my account being delinquent has decreased my credit score considerably. I have custom-ordered a vehicle, and when it arrives, I need my credit score repaired or I may not get the best terms on a loan.

I have attempted to contact GM financial via their customer service line several times. Every time I've called, I've been notified of unexpectedly high call volumes and gave up after being on hold for 15 minutes or more. On XX/XX/XXXX, I initiated a chat session via their web page, and after a substantial wait, an agent reviewed my complaint and agreed that my account was clear as of XX/XX/XXXX and indicated that I should receive some sort of notification via email that the issue was being resolved within 24-48 hours. Having received no such email, I again attempted to contact GM financial on XX/XX/XXXX via chat ( so the responding agent could see the message thread from the previous interaction ). After waiting over 30 minutes, the agent again agreed that my account had been cleared as of XX/XX/XXXX and  had said that he/she had " submitted [ my ] account for review ''. I was notified that the fastest a correction could be made to my credit report would be 30-45 days, depending on the results of the review. I was also notified that the agent could give me no time frame for the review, and I have no way of knowing if it will happen or monitoring the outcome. Furthermore, the chat lasted over an hour. 

Because GM Financial crushed my credit without merit causing me immediate financial difficulty, and because GM Financial has provided me no way of knowing when or if the problem will be resolved, I am filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
XXXX XXXX, NMLS # XXXX called my wife-and then me-to ask us if we wanted to refinance our mortgage. Claims he works for XXXX Bank. However, the consumer access web site for the National Mortgage Licensing System ( NMLS ) shows that his status is inactive and that he last worked for Guaranteed Rate , Inc. 
Seems that if his license is not in active status he should not be taking an application for a mortgage. 
His phone numbers are : ( w ) XXXX and ( cell ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
As I had trouble at first paying my student loans, I started paying them later than I ideally wanted to start. I got approved for a Income Driven repayment plan, because my salary isn't very high. Things were fine for about a year or two. I was paying every month and my credit was getting better. 

After I got married, my husband and I filed our taxes jointly for the first time. Then, without notifying me, Fedloans changed the automatic payment amount from {$120.00} to well over {$700.00}. They said it was because we forgot to renew our application for income driven repayment plan, since apparently there is an expiration date. 

Once applying it asked if we would be willing to share our IRS tax information. My husband and I spoke to at least 3 agents from FedLoan and said that even though my husband makes more money, he wouldn't be responsible for my loans. After they REapproved the income plan, they kept the amount at $ 700+. Then we called again and this time we got a different answer. 

" Right.. He isn't responsible, but you're still responsible to pay your loan and this is based off both of your incomes. '' So how can they tell me that he's not responsible, then a week later, say he is responsible. I haven't been able to pay these past 2 or 3 months and now they're damaging my credit again. 

Unfair and very dishonest. 

If anyone 's reading this, and they tell you that your co-signer won't be responsible, DO NOT LISTEN. They are not " legally '' responsible, but the only option they give you is.. your husband is responsible because his income is $ XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I kept seeing a charge on my credit card statement for an Experian Credit Report and it has been billed monthly. When I try to log in the experian company states it does not have anything for me, yet the charge continues to occur. I called the number on the statement and there is no way to speak with a representative and the automated message says to go on line. I go on line and I get the message there is no account information on me so why am I being charged?

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 2020-01-17 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: NJ

Complaint narrative:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE 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 explanation
Consumer complaint received 2020-01-17 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:
THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Back in XX/XX/2018 I file a complain against Select Portfolio Serving., inc. I explained the situation " Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XXXX of XXXX with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. I keep talking to them to prove that the loan was paid in full. The loan was transferred to XXXX XXXX XXXX XXXX and they sold my property in an auction. I know in fact that I paid that loan in full. I don't have a place to go and I can get a new place since their company ruined my credit for many years. I want my house back because I have a home mortgage that I been paying for years to keep my home. This situation could be avoid if they listen and open an investigation on our case years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I asked for an escrow inquiry I received an email stating that this email address was no longer active so I resubmitted my request via the secured email address given. 8 days later I called. They stated that it was still in process but I should know something by the XXXX if XX/XX/XXXX. I waited 8 more days and called again. Again they stated it was still being processed. I asked to speak to a manager and was b put on hold for more than 30 minutes. I would like some communication to know what the hold up is. I paid out {$800.00} in taxes and there is over {$8000.00} dollars in my account. At the very least i think my payment should be adjusted. I deserve answers.

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 2020-01-17 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: FL

Complaint narrative:
I dont recognize these debts, somebody stole my personal information and applied for these. However I have not had any accounts with this companies.

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 2020-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I applied for a loan against my 401 K plan with Wells Fargo XXXX XXXX on XX/XX/2020. It took several phone calls to request the loan forms for documentation needed to be faxed to me. Once the forms were faxed to me on XX/XX/2020, the forms were faxed back immediately on the same day after being filled out by myself and my loan officer. Wells Fargo then notified me today that the documentation is not acceptable even though we sent the loan application stating the costs that they requested. Multiple phone calls made, during work hours, trying to rectify issues were a waste of time due to getting the run around from the Wells Fargo representatives. Was unable to talk with a supervisor due to no supervisor on the floor and notes made in their system with no resolution or answer for problem made.

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 2020-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: OH

Complaint narrative:
I am going over my credit files and trying to look into how there are unknown addresses on my file. I am having issues on my job as far as my insurance due to the addresses and zip codes that do not belong to me. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX there are cellphone numbers that do not belong to me either please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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