vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I submitted a Sales contract to Home Bridge XXXX  XXXX. Knowing they only have 3 business days from the XX/XX/XXXX to send out application documents, Loan Estimates, etc., They took almost to weeks to send my documents to me. I received a Loan Estimate on XX/XX/XXXX. When I confronted the Loan Officer about the problem, he informed me that his company is following the appropriate guidelines. However, they are playing the system. I have proof that I sent the Sales Contract to this Loan Officer on XX/XX/XXXX, but the " Date of Application '' they have is XX/XX/XXXX to make it look like they are in compliance. I told her Loan Officer that they are out of compliance and I should not be charged any fees due to the 0 tolerance rule. He disagreed with me but told me that their systems generate the dates of application once they get the 6 key factors of the application. He had ALL information needed on XX/XX/XXXX. He even states he let the sales contract " Sit '' in his email due to being " So busy ''

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 2020-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 60 ) days late on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Student ID verification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
Company is reporting an account past due and a charge off and past the statue of limitations for my state of alabama which is 3 years. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

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 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CO

Complaint narrative:
In early XX/XX/XXXX I applied for a cash out refinance loan through American Financing. On XX/XX/2020 I signed documents on the loan ( the documents had errors, like not having my name correct ). To properly close, the title company XXXX XXXX XXXX needed some additional deeds recorded. The loan was not funded and my existing mortgage remained. The loan processor at American Financing was aware of this and we had almost daily emails about the situation. In a letter dated XX/XX/2020, I received notification that my unfunded loan had been sold to XXXX mortgage company and my first payment was due on XX/XX/2020. Eventually I got deeds prepared at my own expense as the ones I received from XXXX XXXX had errors in them they could not seem to correct them. The loan finally closed on XX/XX/2020 and my existing loan was paid off. However on the new loan, I have been charged interest on the balance of {$180000.00} since XX/XX/2020 despite my not having the money. I never received updated closing documents from the title company either

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SD

Complaint narrative:
Refused to honor their ad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NY

Complaint narrative:
I've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XXXX XXXX. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Honestly, many things went wrong in my house buying process, but here 's the latest. I just recently found out my home loan is no longer a FHA loan but a conventional loan instead. All of my loan papers say FHA everywhere, I never refinanced. I did get a loan modification, but my FHA status never changed. 
According to my loan papers {$850.00} was an upfront fee. I called FHA to find what happened, they told me my FHA case was closed. No reason was given, at that point I called phh mortgage company, I was recently transferred. 
The company did a small investigation, about a week long, somehow, could not explain what happened. They did explain how investors buy mortgages and my loan became a conventional loan. I said can not happened except I sign off on it, He claimed I did, I said show me the papers with my signature and he later admitted he could not find the papers. I want that XXXX back, and I would like my FHA coverage again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
By my recent experiences ... GMAC and XXXX are totally unwilling to lower or eliminate monthly pmts during this deadly CORONA crisis. 

GMAC has tried to twist my arm to pay - even though I have no income nor money to pay. 
In my talks with their rep XXXX XX/XX/2020 their rep admitted that they don't really know what to do.. She grilled me if I have -- - Unemployment, XXXX ect. Everything she could think of to try to force me to pay ... To me these arrogant hard nosed companies are extortive Financial XXXX ... 

MAKE THEM HELP US!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
We have paid, on-time and by means of EFT, to our mortgage company PHH for the last 5 years. Previously I had requested statements and to no avail was never given one. Just recently, while going through a refinance with another lender, I had gone online to see my statement and send to the new lender. It was not there. I called PHH on XX/XX/20 to voice my concern, again, regarding the lack of statement on my account. I am supposed to receive statements by mail and have never received them. PHH then told me that a statement has never generated on my account so they had to escalate to an Escalations Manager. His employee ID is XXXX. We spoke and he assured me a call back in 24 hours. That did not happen. I just returned his call today, XXXX after missing him. I dialed his stated extension of XXXX and it said that the extension was not known. I waited for a customer service representative. At which time the gentlemen was very rude, asking why I would want 5 years of statements. I ended the call. At the end of all of this, their resolve was to send me this past months statement. I find this severely unsettling that in FIVE years they can not generate or procure something TANGIBLE for my records. The CSR kept saying " your payment history is online ''. This is a direct violation of XXXX Periodic statements for residential mortgage loans. Section C explains : " ... The servicer must make the disclosures required by this section clearly and conspicuously in writing, or electronically if the consumer agrees, and in a form that the consumer may keep. '' This has never happened - not once in 5 years. The lack of customer care and the complete disregard for federal law was truly angering. I hope that my payments have been properly allocated in this time. I am not even able to see my account number! If it weren't for my home insurance, I would have never known what our loan number was. I can't wait to refinance and never work with them again. Please look into the matter and ensure that other consumers are not going through the same headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: AZ

Complaint narrative:
The monies that the collection company is trying to collect and ruining my credit does not need to be paid back since the original company has sent me a 1099 and written this off as income.I was given an offer letter dated XX/XX/2017 ( trying to get in touch with the Headhunter to get a copy ) and nowhere on that offer letter did it state that i would have to return the relocation bonus if I didn't move forward with the job. After accepting the position I heard rumors that the company was in trouble and would be closing there doors so I decided not to move forward however the relocation monies that were given to me I had already paid out to move and get out of my current lease. The company has since closed and sent me a 1099 so i have already paid taxes on the same monies the collection company is trying to get me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
1 ) Several weeks ago I called Chase about removing my PMI payments and was informed about a special program whereby an appraisal can be waived if there is a significant positive difference between the current market value of my home and the price I paid ( XXXX estimates today 's value as {$230000.00} and I paid {$160000.00} ). I think this is significant. Accordingly, I requested an application be filed to have my PMI removed. 
2 ) Chase responded a week later with a form letter and an appraisal application. No mention of the above program for which I asked to be considered for. 
3 ) Again, I called Chase and complained there was no mention of the program that I requested I be considered for. This representative was also familiar with that program and said she would resubmit my request and specifically ask that they address this special program ( it had a name but I have forgotten it ), when responding. 
4 ) I called again 10 days later and I was told that that request was never made, that was no record of my call and the representative said " that no such program exists. '' I have gotten conflicting information from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have made multiple calls to PNC to help with the issue and gotten verification codes to confirm my identity and yet I still can not complete transactions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Company is reporting a charged off account on my credit. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: NY

Complaint narrative:
I've wrote through several letters of attempts to remove inaccurate information and accounts that are in FCRA violations from XXXX XXXX XX/XX/2020. These accounts are still reporting on my credit profile. Multiple accounts are in FCRA ( DOLA ) Date of Last Activity violation by re-aging an account, The accounts are reporting inaccurate and different high balances, The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. Some accounts were transferred and/or sold and still reporting a balance, this is a FCRA violation. Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXXI also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.

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 2020-08-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: VA

Complaint narrative:
I have a mortgage that is serviced by Guaranteed Rate through XXXX On XX/XX/2020, I signed up for automatic payments amounting to {$3000.00}. I repeatedly checked the account between XX/XX/XXXX and XX/XX/2020 to ensure that the payment was posted. No notification was made that payment had been or would be posted. The mortgage servicers home page only said that the automatic payment would be made " XX/XX/2020. '' By the end of the business day XX/XX/2020 no payment had been posted and no notification of payment was given. An email was sent to customer service and no reply was or has been received. A manual payment of {$3000.00} was made and automatic payments were canceled. Notification emails were immediately received indicating that automatic payments were canceled and that a one-time draft was active. On XX/XX/XXXX, an email was received indicating that a payment of {$6000.00} was received, though only one payment of {$3000.00} was posted to my bank account. I called customer service on XX/XX/2020 and was told that the payment second would not be canceled, and I would have to wait to refund the payment, which would require waiting 10 days then emailing documentation of the withdrawal to customer service. Details on the type of documentation to be sent in were not given, and I was told that it would take a minimum of 48 hours before the email would be even be opened by a customer service representative, that no notification of the email being received would be given, and that I would have to wait for a written letter if there was an issue with the information I sent. No timeline for how long this would all take was given. On XX/XX/2020, the payment was posted to my bank account and an email was sent to customer service, for which no reply was received, and another call was made to customer service. Customer service again indicated I had no choice but to wait to apply for a refund, no exception could be made for any issues, and that any communication would be sent to me via posted mail. 

It is unacceptable that Guaranteed Rate be so shady in their payment posting, refund and cancellation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am sent them another letter with the attachment FCRA 605B

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