vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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: AL

Complaint narrative:
I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Received email from XXXX XXXX in regards of an Collection. Upon checking, this collection started XX/XX/2019 by diverfsified consultnts, based in XXXX Florida XXXX. XXXX. Collection remarks claims I owe {$320.00} from XXXX XXXX XXXX XXXX. Contact info following : DIVERSIFIED CONSULTNTS. XXXX XXXX XXXX XXXXXXXX. XXXX, FL XXXX XXXX. ( XXXX ) XXXX-XXXX. You get no response from calling the listed number on collection claim. When call a different number associated with DIVERSIFIED CONSULTNTS, I get same no response. My credit score is now negatively affected by XXXX XXXX collection error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: GA

Complaint narrative:
I live in Georgia and here is the Georgia law that I was unaware of, The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In 2004, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in May 2004, and has survived challenges in federal court. Referred to as the Payday Lending Act of 2004, this law authorizes misdemeanor charges against violators, as well as fines of up to {$5000.00} per violation and a possible jail sentence of 1 year. 

Usury laws limit the interest rate amount a lender can charge. In Georgia, a licensed lender can not charge more than 10 % interest on a loan of {$3000.00} or less. Most states have a usury limit ; if you were to borrow money from an out-of-state lending institution, that states cap would apply. Bear in mind that these rates may differ from Georgias rates. 
They do NOT hold any type of Georgia license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Their customer service would not help and take care of the negative inquiries reporting to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX  are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) XXXX is reporting a duplicate on this account as XXXX partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/2019 and on XX/XX/2019 American Express is in violation of : the Privacy Act, the Banking Act, The Federal Consumer Credit Protection Act, the Fair and Accurate Credit Transactions Act, Federal Trade Commission Act, Health Insurance Portability and Accountability Act, by not sticking to the agreement of the credit limit of {$5000.00} and {$1000.00} in cash advance they discriminated against my father XXXX XXXX by discriminating against his age and XXXX and made fraudulent claims that they based their decision on with lowering his credit limit. The letter they sent claims that the balance was too high and that his credit history was bad and made many other false claims that his credit report clearly shows they are committing fraud discrimination and perjury. They are trying to force my father to disclose additional private information and holding his right of appeal to this discriminatory and retaliatory change hostage for this private information. They also have refused to lower the APR on the current credit balance, and have made claims that they can not lower it or even look into it. I demand a formal investigation into this criminal activity that is clearly a violation of the law. This is involving American Express Account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: AL

Complaint narrative:
I recently pulled my credit report and saw items that i didn't approve of neither do i recognize these items. I have reached out to the FTC and my local police department and I am doing this on my own behalf. I still need these items to be removed from my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
XX/XX/2019 XXXX XXXX of Midland Credit Management called me at work. I instructed him not to call me at work and to instead contact me by email. 

XX/XX/2019 XXXX XXXX of Midland Credit Management called me at work again. Rather than leave a voicemail, he left a message with a coworker. 

I have not received any correspondence from XXXX XXXX or Midland Credit Management via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: WV

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting incorrectly on the XXXX partial account number XXXX with a charge-off balance of {$720.00}. ( Please see page 2 of the attached credit report. ) Transunion is reporting a duplicate on this account as XXXX  partial account number XXXX with a {$0.00} balance and {$0.00} past due. ( Please see page 28 of the attached credit report. ) This account needs to accurately report a {$0.00} balance and {$0.00} past due. This duplicate reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I called Wells Fargo on this morning and spoke with XXXX, ID # XXXX Wells Fargo ; she advised that the property was in foreclosure and had a sale date of XX/XX/XXXX. I told her I was aware, I heard it on the recording after I keyed in the borrower 's information. I also advised that I was calling to check on the modification request that was sent to them once again on XX/XX/2019. She stated that she would need to send me to the re-entry department for them to advise what else they needed. She transferred me to XXXX, ID # XXXX. I told him I was checking the status of the request for modification sent on XX/XX/XXXX. He advised that since the property was up for sale and the foreclosure date was XX/XX/XXXX, and since it was not within the 37 days -- the only thing to be done at this point was a liquidation or re-instatement. I have requested mortgage assistance XXXX XXXX, XXXX XXXX, XXXX and XXXX of which showed another change in my circumstances of which I've retried and my income is less. Wells Fargo has given me the run around and has been hard to work with also I was not given and opportunity to appeal the mortgage assistance denial. I don't want to LOSE MY HOME. Received notice of property foreclosure sale from XXXX XXXX XXXX XXXX dated XX/XX/2019. 
Tennessee Foreclosure law states the homeowner is to receive a 30 day notice to the sale of a property. I feel I'm being discriminated against because of my age and I'm a XXXX American woman.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My complaint is with TRANUNION credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a sr and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX called me at work. I instructed him not to call me at work and to instead contact me by email. 

XX/XX/2019 XXXX XXXX of XXXX XXXX XXXX called me at work again. Rather than leave a voicemail, he left a message with a coworker. 

I have not received any correspondence from XXXX XXXX or XXXX XXXX XXXX via postal mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Their customer service would not help and take care of the negative paid to delete settled account reporting to your credit report. When agreed to have removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
IN XXXX WE PURCHASED OUR HOME FOR {$510000.00}. THE LOAN WAS ORIGINALLY UNDERWRITTEN BY COUNTRY WIDE BUT THEN TRANSFERED TO BANK OF AMERICA. ITS COMPOSED OF TWO LOANS, 30 YEAR FIXED AT {$410000.00} AND A INTEREST ONLY LOAN ( APPROX. 8.7 % ) FOR {$100000.00}. SHORTLY AFTER WE SIGNED THE RECESION HIT. IN XXXX WE ATTEMPTED TO REFINANCE BOTH LOANS INTO ONE BUT WE WERE DECLINED DUE TO OUR HOME BEING UNDER WATER ( LESS VALUE THEN WE OWED ). WE HAD NO CHOICE BUT TO REFINANCE THE FIRST LOAN TAKING ADVANTGE OF THE LOWER INTEREST RATE. TODAY, XXXX ( 12 YRS LATER ) WE ARE STILL UNABLE TO REFINANCE AS OUR PROPERTY REMAINS UNDERWATER ( ACCORDNING TO ASSESSMENT PERFORMED IN XX/XX/XXXX ... VALUED AT {$410000.00} ) IN XXXX, XXXX OUR SECOND LOAN WILL BALLON AND WE WILL BE OBLIGATED TO PAY THIS IN FULL. I HAVE CONTACTED BANK OF AMERICA SEVERAL TIMES EXPLANING OUR SITUATION BUT TO NO AVAIL. WE'RE NOT ASKING FOR A DISCOUNT OR A DECREASE IN WHATS OWED WE'RE SIMPLY ASKING FOR FAIR TREATMENT AND THE OPPORTUNITY TO REFINANCE BOTH 1ST AND 2ND MORTGAGES TOGETHER ( ONE PAYMENT ). WE HAVE EXCELLENT CREDIT AND INCOME. WE ARE IN GOOD STANDING WITH BANK OF AMERICA XXXX NEVER MISSING A PAYMENT ). THE CAUSE OF THE RECESSION IS FARILY COMPLEX AND DIFFICULT TO UNDERSTAND BUT IT CERTAINLY WASN'T THIS FAMILY WHO CAUSED BUT YET WE'RE BEING PUNISHED. WE WERE GIVEN A LOAN FOR {$510000.00} AND WE ARE WILLING AND ABLE TO PAY {$510000.00} IF BANK OF AMERICA CAN JUST HONOR THIS SIMPLE REQUEST. ALLOW US TO REFINANCE OUR 2 LOANS INTO ONE SO THIS FAMILY CAN MOVE ON ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am writing to report misappropriation of funds and egregious mortgage servicing practices performed by LoanCare LLC. 

Our mortgage servicing was bought from LoanCare effective XX/XX/XXXX ; however LoanCare did not provide any notice of transfer of servicing. In late XX/XX/XXXX - 6 months after the date of transfer - I received an alert through personal credit monitoring that my mortgage was being reported as delinquent by a new servicer. We had no idea that our loan servicing was transferred from LoanCare to  XXXX in XX/XX/XXXX ; regular, timely monthly payments were made to LoanCare until XX/XX/XXXX. 

After contacting XXXX ( who failed to provide appropriate notice as well, by sending the documents to the property address rather than our permanent residence ), I was informed that our mortgage was thousands in arrears. I began reconciling where the payments made to LoanCare from XX/XX/XXXX to XX/XX/XXXX had been applied, if at all. 

On XX/XX/XXXX I made my first call to LoanCare in an attempt to reconcile the payments and found that of the five payments, 2 were forwarded to the new servicer and 2 were returned to my bank. The last payment remains unaccounted for.

LoanCare failed to appropriately forward or return the payment made on XX/XX/XXXX and is unable to provide any documentation as to it's whereabouts. 

As of XX/XX/XXXX, I have spoken with LoanCare customer service on 6 occasions, Twice ( once via fax and once via email ) I have provided proof to LoanCare that they accepted and endorsed this payment and asked for documentation of its application. 

The information provided by LoanCare 's customer service is different and contradictory but the results are the same : no resolution. For 8 weeks now, I have been told that the research is " still in process ''. I have been given dates by which I can expect the documentation to be mailed ( never has arrived ). I have been given case tracking numbers that when referenced in subsequent calls, apparently have no case history. I have a customer service rep inexplicably transfer my call back to the main call directory, and every with call I am placed on hold in excess of 20 minutes. 

On my most recent call, I was told they do not have any documentation on file and that I should submit the proof again. I am no further along today than I was at time I first contacted them. To boot - in XX/XX/XXXX - LoanCare reported my mortgage ( the  one transferred in XX/XX/XXXX ) as being >120 in arrears! Upon my contacting them about this separate issue, I was informed that I needed to provide them with proof that they reported this information - which makes no sense. 

The net result is that LoanCare has misappropriated at least {$1800.00} and is not being held accountable for their practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: GA

Complaint narrative:
I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX DATA. XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX AND 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
Consumer complaint received 2019-07-09 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 ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.

Company response to consumer: Closed with non-monetary relief