vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I HAVE ATTACHED A COPY OF MY XXXX XXXX FILE THAT WAS MAILED TO ME FROM XXXX XXXX. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXXXXXX XXXX XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX account is paid off. I WILL BE SENDING A COPY OF THIS COMPLAINT TO CEO XXXX XXXX. I WILL BE FORCED TO SUE EQUIFAX FOR DAMAGES UNDER Equifax keeps reinserting this bankruptcy that does not belong to me stating they verified this bankruptcy with XXXX XXXX. XXXX XXXX has not verified no such bankruptcy with Equifax. I have attached a copy of my XXXX XXXX file. There is no bankruptcy reporting on my file with XXXX XXXX. Equifax took off the bankruptcy months ago the reinserted the bankruptcy without verifying. I have been a victim of identity theft for quite some time and this is starting to be monotonous! There is also unauthorized inquiries that I did not authorize nor applied for on my credit. This ongoing back and forth take off then reinsert is hurting my credit. I take pride in my credit. REMOVE ALL OF THESE INQUIRIES< REMOVE THE BANKRUPTCY< CORRECT MY XXXX ACCOUNT IMMEDIATELY! The inquiries that I did not authorize are : XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXXXXXX XXXX  XXXX XX/XX/2020 XXXX My XXXX account balance should be at {$0.00}. XXXX  account is paid off. I WILL BE SENDING A CERTIFIED COPY TO CORPORATE CEO XXXX XXXX. I ALSO, WILL SEND THIS CERTIFIED TO EQUIFAX DISPUTE CENTER. I WILL BE FORCED TO SUE EQUIFAX IF THIS IS NOT RESOLVED IMMEDIATELY! DO NOT SEND ME A PRE-MADE LETTER STATING " VERIFIED '' WHEN I HAVE UPLOADED DOCUMENTATION TO THIS COMPLAINT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I went to the XXXX  to obtain a XXXX XXXX  and XXXX XXXX  requested by the NY XXXX XXXX XXXX NY for XXXX donation as a request for Pre XXXX examine requirements. XXXX was for XX/XX/2017 I had insurance through XXXX XXXX XXXX XXXX ID    XXXX with a copay of {$40.00} ( XXXX billing ) This was given to their Billing dept. The " script '' was specific to the order. The XXXX choose to proceed with a procedure not needed and or told how much it would cost. I was there for solely the purpose of two exams XXXX & XXXX XXXX. Once I was done, my visit was {$1500.00} dollars. I called the insurance company and they indicated they should have received a pre authorized call and never got one from the XXXX XXXX center for woman. 
I made a complaint against the Doctors failed efforts to inform me of the XXXX she took and the switch and bait the office pulled on me. I feel they took advantage of the insurance opportunity that it was being being by the XXXX donor. I feel i was mistreated, violated and now stuck with a bill that should not have occurred affecting my credit report. 
I told then that they had to follow up with my insurance but they would not listen let alone understand that I would not have agreed to a treatment without my insurance being aware of knowingly that a PRE-Authorized agreement would need given to me, the insurance company and the Dr 's office billing dept.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
I am unable to get direct deposits to my bank. Per a previous complaint, I was told this was not an option due to Oklahoma 's rules. Reviewing Oklahoma 's information, only One-Time Transfers have been suspended ( See attached from XXXX XXXX XXXX XXXX XXXX ). I was also informed I would get a follow-up email regarding the fees I was charged for calling in 'too often ', but have not received any follow up. Further, since starting to use my card, the only option given to me, the card has now been restricted by the fraud department. A letter was sent to me informing they claim to have called. I never received a voicemail, email or SMS informing me there was an issue, all my prefered ways of contact, which were options to fill out on their website. The letter contained a phone number to call. The number appeared to be a direct line and was different than the standard number. I was not given any options to select from to direct me, a welcome change, but put directly on hold for a representative. After waiting 30 minutes, I was told that department could not help me and they needed to transfer me to Level2. What is the use of a direct line bypassing options, if it is going to waste my time on hold and a reps time, who clearly is very busy, to deal with a call you know they can not help with. Waiting another 2 hrs, I reached a representative, who told me I needed to send a photo copy of my ID to an email address, something that could have been included in the letter mailed to my address. I followed the process and received an email today saying it was approved and to all the number on the back of my card. I called in and the representative was unsure why I was calling. After checking my account, they said everything was good and no further action was needed. A short time later, I tried to log into my account a received a message the account was locked due to possible fraud and I needed to call in. I tried using the card and the transaction was rejected. I called back in and another representative said it is clearly showing still as locked, but notes on my account show it was approved and it should no longer be locked. I now have to speak to fraud regarding the issue. I am now going on 24 calls for a total of 8 hrs, 30 mins and 7 seconds on the phone with this company trying to resolve issues, not including the call I have been holding on for over 50 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I returned a call to the collections agent, XXXX ( XXXX I believe is the last name ), the agent handling the account that he called me about. While on the phone with XXXX, he said that I would be taken to court and sued and that a summons would be delivered to my supervisor or manager at my job. After we went back and forth for a bit, I explained to XXXX that he would never find my supervisor or manager so he said that he would forward this case for litigation and we disconnected the call. I wanted to report him and his behavior to his manager. I called back and the switchboard operator said that she did not know who his supervisor or manager was so I called XXXX and asked that he connect me to whoever he reports to. He said that he was the supervisor and the manager. I asked him if he owned the company but he said no because if he was, he would obviously not be working. I told him that since he was not the owner of the company that there was someone that he reported to. After about 5 minutes of me explaining to XXXX that he must report to someone, he placed me on hold, said that he was getting a supervisor but came back to the line after about 10 minutes to say that there was not a supervisor available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Carvana Group, LLC
State: CT

Complaint narrative:
Purchased a car through carvana which included registration. My temporary tags are set to expire in less than a week and I can't get no information from them. I have tried messaging them for the past several days, only getting " no updates '' due to covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Customer care persons are refusing to provide me a separate itemized billing statements for the pay over time balances and fees interest charges which they are denying my rights to that information as which those charges was applied to my regular monthly charges. I ask on several occasions to review a separate itemized pay overtime and pay overtime direct balances fees and interest charges they refuse to provide me this information, because the numbers are not adding up. On today to my amazement I did get a return call from a supervisor stated her name was XXXX she also refused to provide me with the above information and refused to entertain another inquiry which only 2 dispute was done and she stated the reason why another inquiry wont be done is because 3 been disputed, which is not true only 2 was disputed and before I could respond the disputed inquiry was closed  out both times. Therefore I was not given a chance to be heard. XXXX still refusing to take my inquiry and dispute, she stated to me didnt XXXX tell you we was not going to do another inquiry? And she is teaming with XXXX the same information that she stated to me, No inquiry!! The minimum payment is due today which most of that bill payment is pay over time fees and interest charges all which Im disputing. Also she stated that they only report late payment to the credit bureau if a person is 60 days late, that is not true because they reported me 30 days late back in XX/XX/2020 to the credit bureau and I was not 30 days late at all, even though they corrected the error but did not change it with the credit bureau causing my credit score to dropped 21 points, and they refusing to change and correct the error with the credit bureau. CFPB please report this to the compliance/ complaint department to XXXX XXXX XXXX Vice Chairman. Email address is XXXX, I was given this information from the secretary at XXXX Head Quarter office the telephone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
The company continually fails to address the reason for my complaints with them. 
Upon filing my first complaint against PennyMac, XXXX quickly called to address. She overly apologized on behalf of the company, implied suggestions of sweeping changes, however nothing was followed up. She simply is there to defer the situation and sweep their failures under the rug. In the process of an open application, should it take 6 attempts to reach someone??? Why will XXXX not acknowledge or address this??? She has listened to all calls and reviewed all emails. Is it negligent to have passed not properly reviewed my financials and double counting a mortgage and auto payment. XXXX calls this a " Complex '' review? She stressed it as she used " Complex '' twice to explain how the PennyMac team works. Why is it that the first negligent loan officer finds my debt to income to be 77 %, after a week of trying to reach someone to understand what they were reviewing, another finds 55 % ( see my retaliation Complaint against PennyMac ), but all others find it to be 35 %??? 
XXXX 's only position is to defer the situation and pretend she is to make changes in the company. It appears that she has no control of this and didn't even know if the initial loan officer still worked there. Doubt he was reprimanded even.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made additional payments, additional to the monthly payments, to Bank of America and apparently if you do not have a checking account with them, then the additional payments do not get applied to principal only. They said add'l principal only payments are not available on the website, it would come across as a regular payment with a portion of it being allocated to interest. Nothing on the website indicates this and still doesn't. They said this option is only available if you call in to make the payment. Therefore I requested for all my add'l payments to be readjusted and applied to principal. I contacted BofA to request my payment history ( with a breakdown of each payment and how it is allocated - principal v. interest ) on separate occasions and was told that they could only mail or fax. I do not understand why there is a secure messaging system if they do not utilize it. three requests for fax and it has not been rec 'd 2 requests via mail and it's still not rec 'd. It baffles me that as a consumer, I am unable to access this payment history on their website. I was told to look on previous statements for this information. However, any recent adjustments would take a month before I could review and validate that past payments were properly reallocated.

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 2020-09-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Received a bill from Target Red Card XX/XX/XXXX. Was paid in full XX/XX/XXXX. Have confirmation number and name of person I spoke to. Target continues to bill for an account thats been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PROVIDENT FUNDING ASSOCIATES
State: OR

Complaint narrative:
In 2017 we purchased a home for my aunt and cousin to live in. My aunt is on XXXX   XXXX  and her daughter is her full-time XXXX. We went with a reputable local mortgage company there in XXXX Oregon that recommended a product that we felt comfortable with ; we did not read the fine print and so did not understand that our mortgage could be sold to a company like Provident. 

Under COVID we lost one of our businesses but our bike business took off. Additionally I work as a XXXX at a XXXX  college in XXXX. We make plenty of money and have not paid any of our monthly debts late. My credit score took a hit due to my debt to income ratio only. We have never paid our mortgage with Provident late and we have never declared bankruptcy. 

When my husband lost his farming business we contacted Provident to refinance the home we have my aunt and cousin living in so as to better manage our overall costs. Provident customer service folks told me that I did not qualify for the refinance because of my debt to income ratio. Provident customer service folks never asked about our situation or other assets we have. They did not care about our spotless payment history or have 2 minutes to discuss options with us. And ye, like everyone else in that industry, they received stimulus money and funding to keep folks housed. They were not concerned with my aunts fragile health or in learning about the other assets we have. Owning a home is a privilege but being housed is a human right. We are ready to deal with this so that others might not have to in the future. 

We have consulted an attorney and are following their suggestions by registering complaints with he Fair Housing Council of Oregon ; the Consumer Financial Protection Bureau with the Federal Government ; and the XXXX XXXX XXXX  in every state except for Alaska, Alabama, Arkansas, Delaware, District of Columbia, Hawaii, Idaho, Iowa, Kansas, Louisiana, Maine, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Dakota, Oklahoma, Rhode Island, South Dakota, Vermont, West Virginia, Wisconsin and Wyoming. 

We also sent a formal written complaint to Provident where they only receive written complaints at to their XXXX XXXX XXXX XXXX XXXX, CA. XXXX. They can take our money and we have a portal for sending payments, but the only way you can submit a complaint is in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters out certified over 60 days ago and more than once. I didnt get notified of my results from the disputes and as a consumer i feel like these clowns taking advantage of normal people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I checked my credit reports and contacted the people it said I owed the Debt to. Several of the companies no longer exist. The ones that still existed I paid the debt and it was thousands less than what was shown on my credit report. 
I had an attorney contact Cornerstone credit about the ones the company no longer existed on. Cornerstone credit said adding 15 % interest to medical debt a month was allowed. So debt that was XXXX dollars as now several thousands of dollars. When asked if they would make a deal, they refused even though they knew that several thousands of dollars is all interest, for a company who probably took a deal as it was being bought out by another company. 
I recently have been divorced I guess several of the medical bills went to my ex-husband 's address. I did not know I owed them until I had seen them hit my collections. I contacted both of the debtors because it was only 2 new debts that I had missed. I paid off one debtor and it should show as paid at the end of the week. ( XXXX hope. ) The 2nd debtor says they do not show I owe them anything, nor would they because they sell their debts to Cornerstone. I have tried to make payments to a specific account before to cornerstone and they just add it to whichever one they feel like so they can restart a 6-year-old account to a company that no longer exists. I called the other debtors who say I have paid all my back bills and their affiliates in full. 
The Attorney and my divorce Judge have told me not to contact Cornerstone because of the stuff they have been doing but I would like to pay off the recent bill so it is not on there when the others one fall off nor do I want it to start collecting the 15 % interest. 
Is it allowed for the original debtor to refuse you to pay off your back debt? 
If I want to make a payment to a collections agency on that specific account are they allowed to put it towards whichever account they wish? 
Is the collection agency allowed to keep stuff on my credit they can not prove I owe? ( I can not find the information or the bill and when the attorney asked them to send me the proof of the debt, they only send me their debt bill on not the original. They said this would a breach of confidentiality. ) With the above explanation, How is it a breach of confidentiality for a debtee to know who is claiming the debtee owes them ( the debtor ) money? How am I to know it is not fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
I have been trying to remove the private mortgage insurance ( PMI ) from my FHA mortgage account. 
One, my online account states PMI is not a feature of my loan. 
Two, my previous attempt they told me I was not 78 % and not eligible to remove it. However, according to my calculations it was. So I waited some time. 
Second attempt, now the that debt has decreased, I tried again and I was seemingly given the run-a-around for 3 weeks. Being told my LTV was at 79 % and they would likely push it through and to wait for my final letter on XX/XX/2020. The final letter never came, so I called back around the 15th to be told it was denied. The representative couldn't provide any information so he transferred me to a supervisor who also couldn't provide any information because the department that handles it does not speak with borrowers. They can only submit the requests on my behalf. Furthermore, I am unable to see the requests they are submitting. 
The currently home value according to my lender is {$230000.00}. Everywhere else my current home value is $ XXXX. However, even using their under valued amount, I owe {$170.00}, XXXX which would place my LTV at 74 % and eligible to remove the PMI. Since I am unable to talk to the department, submit requests on my own, see the requests or even see the PMI status on my loan via the online account ... this was my only option. I'm not sure where to go from here.

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