vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
I recently submitted a request for investigation of several student loans, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. They have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX  system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
The interest rate is like 200 % interest. I thought military interest rates were not supposed to exceed 36 %. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
In XXXX I had went to a pet store to purchase a puppy. The puppy was more expensive than I thought but they said I could apply for a loan. I did and was approved for XXXX dollars. I signed the contract knowing the fees and everything no worries because I was going to do an early buyout in four months. I made my monthly payments but it was always a struggle. I was charged late fees when I was on automatic payments and my bank said they never tried to charge me, I had a random charge from them and they couldnt tell me what for, etc. in XXXX or XXXX I asked for the amount of my early buyout and was told it was over 2000 when I got an email saying it was going to be XXXX when I signed my contract. The company Monterey financial handles all the finance of my contract even though I signed with XXXX XXXX XXXX. When I heard that I got off the phone and contacted XXXX XXXX XXXX  and they told me Monterey financial was in charge of the financial part of my contract. Since then I have stopped making payments and have been doing research of my own on this company and they do this all the time. When I contacted them to do my early buyout again they let me know that I was only supposed to pay XXXX in XXXX that they gave me the wrong amount twice on accident but since I havent made any payments that I now owe XXXX. I told them that it wasnt an accident when they told me on two different day, by two different representatives and that I would give them the amount I owed in XXXX but I will not give them amount now since they lied to me with the intention to scam a XXXX year old out of a extra XXXX. They threatened me with reporting me to collection and reporting me to the credit unions. They refuse to work with me or answer any questions through email because they dont want me to have any proof. When I called they immediately said we need XXXX now when I asked what it was for they couldnt answer, when I asked why I was given a false amount they couldnt answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
On XX/XX/2019, PENN CREDIT CORP # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Reported me to the Credit Burea and placed me in Collection for {$130.00}. The collection didn't show up on my Credit report until XX/XX/2019. I immediately called PENN Credit Corp to ask what this collection was for. I recognized the Creditor but it was at a house in a state I don't live in. I live in XXXX Ga and the house is located in XXXX OH. Since I was already reported to the Credit Burea, I was not given a chance to dispute or validate the claim. Since the amount in question was small, I wanted to settle and move on. PENN CREDIT will not remove the collection from my Credit Report. This seems like a very unfair practice of reporting before the claim could be verified. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
In XXXX I took out a HELOC through XXXX Bank. During the open period of the revolving line of credit XXXX Bank sold the HELOC to US Bank in around XXXX. US Bank in turn sold the HELOC to XXXX Mortgage in XXXX but failed to release their lien on my property for the HELOC. I have been trying for XXXX months to get this lien on my home released by US Bank. I have been approved for a new HELOC through another bank and can not close because a title search indicates that US Bank still has a lien on my property. I am getting nowhere with US Bank even though they acknowledge they have no records of my owing them any money.

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 2019-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MY NAME IS XXXX XXXX MY SS# IS XXXX MY DOB IS XXXX I AM REQUESTING THE IMMEDIATE REMOVE OF A FRAUD ALERT FROM XX/XX/2018. I NEVER REQUESTED AN ALERT!!  I HAVE CALLED IN AND TRIED TO PUT MY INFORMATION IN ON THE experian.com/upload. IT WAS REJECTING SEVERAL TIME FOR UNKNOWN REASONS. I HAVE ATTACH A COPY OF MY ID AND SS# TO THIS CFPB COMPLAINT.  THIS HAS BEEN A ON GOING ISSUE. I AM TRYING TO CONDUCT BUSINESS AND IT KEEP GETTING STOPPED DUE TO THIS UNNECESSARY FRAUD ALERT THAT I NEVER REQUESTED!

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 2019-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
American Honda Financial was paid all of the money due on the contract. When the payment was made on their website, it did not specify that there would be any delay releasing the title if I paid via the website. Now, they are refusing to release the lien on the vehicle. They have received all money due under the contract, and I have proof of such. I have asked them to release the lien, and they have still refused to offer assistance. I have attached proof from American Honda 's own website which shows I have paid off the vehicle, and that the vehicle has a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: FL

Complaint narrative:
XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX secured credit card is reporting inaccurate information on my credit report. I have submitted a letter from the bank my credit report as well as a letter for this company to correct the error. Since disputing the company has moved the late payment to another month. I am in the process of purchasing a home for my family and I and this has caused major delays with my approval and of course causing me to get higher intrest rate. I have worked hard to maintain a good report and this error is causing significant problems. Please see the attachment.

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 2019-07-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
On or about XX/XX/XXXXXXXX I was improperly served with a legal complaint which was written up on XX/XX/XXXX according to the documentation the law firm submitted to the courts. The documents included in support of this alleged debt, that I in no way admit to owing, state that the account went into delinquency on either XX/XX/XXXX or XX/XX/XXXX either of which dates are sufficient to prove that this legal action was time barred by Colorado 's six-year statute of limitations. 

On XX/XX/XXXX I letter sent by certified mail that served as legal notice pursuant to the Fair Debt Collections Practices Act, 15 U.S.C. 1692 and the Colorado Consumer Protection Act ( CCPA ), 6- 1XXXX101 to -115 C.R.S., 1969, for the company and law-firm to to cease and desist their legal complaint and all other collection activities associated with the debt alleged in said legal complaint. 

On XX/XX/XXXX I returned a call to XXXX XXXX XXXX # XXXX and he stated that in conference with his client that he had decided to offer to dismiss the time-barred lawsuit if I in turn would release his client and himself from their liability under the FDCPA and CCP. 

By attempting to negotiate with me and using the threat of a time-barred lawsuit which is already in motion, his actions have been sufficient to trigger an additional cause of action under the FDCPA. While simultaneously voiding any right they have to claim the protection of the bona fide error defense due to their refusal to dismiss the time-barred suit after receiving notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CT

Complaint narrative:
Our mortgage on the property was around {$1500.00} a month. Over the course of last year XXXX first increased the mortgage to {$1700.00} a month citing an escrow shortage of {$11000.00} in XX/XX/XXXX. Due to the increase, vacancies, and a deadbeat tenant, I fell a month behind for several  months. As soon as I got current with the mortgage in XX/XX/XXXX, they increased the mortgage to {$2400.00} a month, citing another escrow shortage of {$9000.00} found inXX/XX/XXXX. 
It did not seem reasonable, logical, or even possible, to first have an {$11000.00} escrow shortage, never mind having another {$9000.00} escrow shortage just three months later ( and as the same time as I had caught up ). At this point, I stopped paying the mortgage. 
The loan was transferred to Loancare who is claiming another escrow shortage of {$4300.00} from XX/XX/XXXX due to an increase in home insurance. They have hired the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, RI XXXX ) to start the foreclosure process. 
All of this started after the housing market pulled out of the recession. My building is worth a lot more than what I had purchased it for almost 20 years ago, and is definitely worth a lot more than the balance of the mortgage. I believe this is a clear case of equity stripping. They are just going to keep raising the mortgage until I go under.

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 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2019 I opened two accounts ( checking and savings ) responding to the {$500.00} offer by Citibank. I was assisted by the banker XXXX XXXX who received the copy of the offer and confirmed that I qualify for it. The offer required keeping over {$15000.00} in both accounts for a period of at least 60 days plus qualifying direct deposits. Both conditions have been met so when I returned from a trip abroad I checked my account balance and I didn't see the deposit so I called the banking center. The bank center indicated they are not aware of any offer so I sent an email to Ms XXXX which was subsequently returned as invalid user. I asked my XXXX for help so with my authorization my XXXX contacted the branch XXXX Ms XXXX by email. The email indicated that the branch manager is on vacation with a return date of XX/XX/XXXX. Subsequently I called and left the message for call back and none came. My XXXX  also called and the calls were not returned. 
It is very strange that if someone calls the bank and a person within it, the Citibank staff completely ignores it pretending that the issue didn't exist. 
I respectfully ask Citibank to honor the terms of the offer since the branch 's staff feels it can ignore customers.

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 2019-07-13 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: GA

Complaint narrative:
Equifax is absolutely the worst company I have EVER dealt with. Not just credit reporting, but ANY company. You can not access their website, it always says they are having problems and try again later. Days, weeks and months later it is always the same. Then they want you to send in a written request for your annual credit report. I do that and weeks later I get a report to send copies of multiple documents, plus ANOTHER letter telling them what I am requesting, plus the ORIGINAL letter ( which was sent to them, therefore, they have, I do not ). Attached is their refusal to send me my credit report. 

I have tried for over a year now to get my credit freeze unlocked and to get a credit report and they refuse to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AZ

Complaint narrative:
My mortgage was sold to Fifth Third Bank. Fifth Third Bank has not paid my home owners insurance to XXXX even after several calls to the bank AND submitting proof of insurance as requested on their website. 
Additionally, Fifth Third Bank has raised my mortgage monthly payment by over XXXX dollars with no explanation. Calling the service center has lead to lots of hold times and transferring but never any explanation why my mortgage payment has jumped. I have a conventional loan with 100 % on time payment history. Am looking for more help in getting Fifth Third Bank to co-operate and put my payment back to the original amount and also pay my home insurance to XXXX as my previous mortgage holder did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having difficulty getting an amount of XXXX removed from my XXXX XXXX XXXX XXXX XXXX account. The account was charged off and I settled it with their collection agency. The status should read paid collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having difficulty getting an amount of XXXX removed from my XXXX XXXX XXXX XXXX XXXX account. The account was charged off and I settled it with their collection agency. The status should read paid collection

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 2019-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/19 I received notice that my homeowner 's insurance has not been paid. I forwarded the notice to my mortgage company for payment and nothing has been done to date. 
Today I received notice from the mortgage company that since my policy is going to be cancelled they will provide insurance for me at a higher rate. 
I have an escrow account with the mortgage company and they have failed to make prompt insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Charles Schwab is obstructing justice-a felony-and interfering with the administration of government by closing my long held accounts in retaliation for my filing complaints against it with the Consumer Financial Protection Bureau!

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 2019-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have hard inquiries on my report with transunion that were added on and are companies that pulled multiple times. 
they were taken off but placed back on without my 5 day notice according to section 611 of Fair Credit Reporting Act XXXX PA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX PA XX/XX/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 2019-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX i received a letter from EOS-CCA debt collection agency stating i owed XXXX to XXXX XXXX XXXX. My subscription ran out and i did not renew it. 
Now, this debt collection agency is saying because i did not call and cancel my subscription, i have to pay this amount or they will turn it over to the credit bureau. 
I called XXXX XXXX XXXX and they said they did not turn this in for collection and that i do not owe anything. My XXXX XXXX was cut off at the end of my subscription and so i do not owe anything. Some how, seems that XXXX XXXX had to give them my information Strange thing is, the address or phone number is not the same on the internet and the letter. 
I did not get any where with the EOS-CCA collections agency. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Most of my charged off debts register last activity in XX/XX/2014. Have I past the statue of limitations? I am getting a wage garnishment assigned to me in a few days due to court is in XXXX and I now live in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13 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: TN

Complaint narrative:
I went to cosign tor my son a car and after being there for about 4 hours my son was denied for his car because of me being a cosigner. I went home and pulled my credit again and on one of those credit sites and there are some things on there that are not mine. I have reached out to the FTC and to my local police department and I am doing this all on my own. These need to be removed XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, Rap lie and there is a bankruptcy showing on my credit as well. I have never even thought of a bankruptcy. Please have these items taken off my credit Thank you

Company response to consumer: Closed with non-monetary relief