vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-28 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: GA

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to update my report bc I disputed errors, which Equifax failed to legally verify, and my credit reporting file no longer exists. I signed up for their monitoring service. After my credit report failed to upload, I went to another reporting agency to obtain my Equifax report-NO REPORT. I spent over an hour on the phone with them and they could not find a report. So, they are charging me a fee without my ability to obtain an updated report. I also tried a third site. Suprise! NO REPORT!! I do not have time to spend on the phone resolving this. This is absolutely unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
This debt is not mine, never consented to any involvement with Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: STEWARD FINANCIAL SERVICES LLC
State: PA

Complaint narrative:
In the beginning of XXXX of XXXX my car was stolen, I reported it to Steward financial services since they service my loan, during this call they forwarded my title to the police department. The lady said thanks for letting us know and the call was ended. I then get numerous calls in the beginning of XXXX stating that my payment due at the end of XXXX is late and I told them again my car was stolen so I cant pay at the moment. XXXX then said well your payment is past due and we need the money when can you pay. This went on for about 5 minutes back and forth until I hung up. I get a email in XXXX from XXXX, she stated I needed to call. I was hesitant because they are very rude there. I called and she apologized how my loan was handled and someone should have offered a deferment. But now Im 2 months behind. On XX/XX/XXXX XXXX sent me the deferral paperwork and said until the car is found we can defer for 3 months. On XX/XX/XXXX my car was recovered and placed on police hold for investigation, on XXXX my car was deemed a total loss by my insurance, on the same day I get an email saying my deferment was denied because the car was repairable and I need to make a payment immediately. I emailed the lady back my documents of a total loss and there was no response. I have gap coverage therefor paperwork was exchange o how much I owe to the insurance, steward financial, and XXXX ( gap ). The documents I received from XXXX and XXXX stated that the balance was paid in full but in XXXX XXXX began calling me saying I owe XXXX. When I ask why XXXX or XXXX keeps telling me that's what I need to pay or they will put it on my credit report and my credit will be messed up. They will not go over math or any paper work with me, he always states he don't care what I have, he has the correct information.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Center Inc
State: ND

Complaint narrative:
Collection Centers Inc. refuses to report correctly when payments are made and have made several attempts to collect on medical debts that don't belong to me or my husband. 
I made arrangements for wage assignment for one that do belong to us and they have collected from every paycheck since XXXX but are not reporting to credit bureaus as paid under wage assignment its listed as 1 debt but on my credit report there are several. They need to report the correct balances. I have called several times asking if payments have been received and asked they report these payments to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: TX

Complaint narrative:
I SEND A CERTIFIED LETTER TO XXXX ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME

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 2019-03-28 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX. ( Please see page 9 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that it is impossible to be late on accounts 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 2019-03-28 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: FL

Complaint narrative:
SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX. 

In XX/XX/XXXXsomeone fraudulently opened credit cards in my name. I put a lock on all 3 credit reports. I unlocked my credit so I could apply for a XXXX store card thru XXXX XXXX. I was told it would be approximately 2 hours before I could apply. I applied 24 hours later and was denied. Comenity Bank said I need to wait at least 48 hours before I applied ( Difference between what the credit agency told me and the banks policy ) Now that I have applied and have been denied because my credit was locked I can't reapply for credit with XXXX XXXX again until after 30 days. If I would have initially waited 48 + hours before I applied it would have been fine. Not one time was I told this information, not by the credit reporting agencies and not the bank. 

Why would the consumer be punished for 1 ) protecting my credit 2 ) lifting the lock and applying within the time I was told by all 3 credit reporting agencies. Why would the bank have a different policy? Why didn't the bank communicate that to the consumer. Why can't I re-apply after the longer wait period dictated by the bank? 

I have excellent credit, debt ratio, job and money in the bank but denied because I locked my credit to protect my good credit only to be punished by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I sold my home and closed on XX/XX/XXXX. The escrow amount sent to me in check form was XXXX. This check was deposited and came back as insufficient funds. 
Ditech is the Mortgage company who I had my mortgage loan through. 
When I called they said that they would issue a new check. 

I have called several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX and they always tell me an excuse. Either they duplicated it and it was cancelled, that it may have been lost in the mail and we will issue another one, the first reason was that too many checks were being processed and that it was mailed late and now no reason, we will call you back. So I wait. My wife has also spoke with two different managers to try and resolve the problem and they keep giving us excuses. 

When I call they tell me they will send a new check and one never arrives. I have asked for it to be overnighted and still no check. I have also asked on XX/XX/XXXX to wire funds into my checking account and they told me they could not do that. 
I am getting no where quick and now we are heading into XXXX, over 3 months of trying to get my escrow balance from them and I am getting the run around. They are rude and make excuses every time I call.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, XXXX XXXX contacted my house regarding a debt owed by someone else. I was awakened at that terrible hour and recontacted the caller who left the message ( XXXX XXXX ). She advised that I was listed as a reference for XXXX XXXX and that she needed to speak with her about a debt to XXXX XXXX XXXX. I explained to the collector, that XXXX XXXX didn't live there and that it was XXXX XXXX. She basically had no compassion and said " well it is XXXXXXXX XXXX my time, so I am within my rights ''. I advised her that she was in fact in violation of Debt Collection laws and that it was very simple to run an area code and find out that I am in Arizona and that she was in violation NOT only because of the harassment, but I wasn't even the debtor. 

While I had received a few calls and messages, this was the most extreme and after the lecture and a request to remove my phone number, I have not been recontacted -- however, I did contact the family member and was advised that a payment plan had already been worked out prior to that time -- so I was needlessly awakened because the internal communications were not even in order. 

I have attached a photo of my caller ID showing the time/date and caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I tried to get my credit report to open and access the mysocialsecurity.gov account process. I received a report from two companies but equifax refused to provide me with my annual report. They also blocked my access to register for the social security account that I am entitled to use by law. I called the company and they demanded I send a copy of my driver 's license and social security card. XXXX XXXX advised that I not do this as it opens me up to identity theft. The equifax representatives spoke about my account requiring verification although it has not needed this in past years and they refused to give me any further information such as what triggered this verification need and although I tried through them to get to someone who could tell me why the status was blocked they refused to tell me. 

I filed a complaint with you regarding this and the response was that they could not locate a file for me even though on the phone they indicated that there was one, but they could not access it without copies of my license and social security card - and provided one in the prior year ( s ). So they essentially lied to your agency in their response and to me as well. I do have a credit history as XXXX and XXXX   demonstrated by providing reports from their records. I request that Equifax re-examine their file and provide me with my annual credit report per their federal mandate. I jointly share credit with my spouse and he was also blocked and had to go through several other procedures to access his social security options - including registering for XXXX. We have bank accounts and credit cards and have actively used credit in the past 10 years on a monthly basis. I still maintain that requiring me to send a copy of my social security card and driver 's license is unsafe and unnecessary. I still want CFPB to require them to find my file and send a copy of it to me. If they have " lost '' my information that is a breach that compromises my identity and future benefits in my retirement years and I am entitled to know about that loss/breach of security. I am also entitled to know what organizations have requested information on my credit - which they refused to provide. They also refused to tell me if there was an alert or fraud notice related to my credit. Resolution - provide me the report as requested without my having to provide copies of my driver 's license or social security card. Mail it to either of my addresses - the one I have used for the last four years or the one I have used for the last 20 years - both are still good addresses as I have two homes while I am still working. It will get to me, but it needs to be provided without the present run-around.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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 30 days past due on the XXXX XXXX - partial account numbers XXXX. ( Please see pages 3 and 4 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. 

Equifax and XXXX  are reporting incorrectly that I am 60 days  past due on the NEIGHBORS - partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. However, this too is coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores. Keep in mind that is is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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:
SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SAME AS PREVIOUS COMPLAINT, WENT TO XXXX XXXX, THEY RAN MY CREDIT FORA CAR LOAN THRU A CREDIT AGENCY WITHOUT MY CONCENT.

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 2019-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: USI Solutions Inc.
State: TX

Complaint narrative:
A debt collector from USI Solutions in XXXX XXXX, Pennsylvania, called my office and attempted to get information regarding an alleged debt of my fiance. The caller gave my office personal information and names. The caller than attempted to call my personal line. I told him I knew nothing about it and asked him to stop calling my personal number and to stop being aggressive and inappropriate with my office that I and they knew nothing about the matter. In a very threatening tone he then told me that he could and would continue to call anyone he wanted to in an attempt to find the individual he was trying to locate. My fiance supposedly even though it is a very common name. He said I had been " listed '' as a reference which I don't believe to be true and he made statements such as that he knew I had " passed along '' the information and that we needed to " stop dodging '' his phone calls. All of this is completely inappropriate and upsetting and I feel very intruded upon and was threatened with further harassment both personally and professionally regarding a matter I know absolutely nothing about and to which I have no legitimate connection. The calls originated from 2 numbers : XXXX and XXXX. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 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: CA

Complaint narrative:
I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, XXXX {$1400.00} 3. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NE

Complaint narrative:
In 2017 I was having trouble making my mortgage payments due to a job change - I was making less money than before. I was behind on payments and the company suggested loss mitigation. At the time my loan balance was {$110000.00}. My monthly payment was {$1000.00}. After several phone calls ( it is never easy to get ahold of anyone at this company ) I was able to complete the paperwork and submit it. When I got the " refinance '' back my payments were actually higher than before and they charged me approx {$5000.00} in fees so now my balance was {$120000.00}. I told them that the loss mitigation was not helpful at all but they said if I didn't do it I would be foreclosed on. I either had to come up with the past due balance ( which was now a few months behind ) or face foreclosure. I was never told at anytime that my payments would be more or that my balance would increase. I thought this was supposed to help me. Since then I've been struggling to keep up. They are never helpful or friendly to work with. It's difficult to see where my payments are being applied. They charge me for insurance when I already have my own and send out someone to inspect my house and charge me for it. However the person reports my house is abandoned. My partner was home when he came and he didn't knock or ring the doorbell and we had both cars in the driveway. Hardly abandoned! I'm tired of this mortgage company taking advantage of me. Surely what they are doing can't be legal.

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 2019-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Green & Sons Agency, Inc.
State: ID

Complaint narrative:
Called my work and my cell phone everyday from XX/XX/19 thru XX/XX/19 for a debt of {$21.00} that had been paid. I want their company fined.

Company response to consumer: Closed with explanation