vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday  loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as   XXXX . My scores from the main credit reporting agencies range from  XXXX  to  XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance.   Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I paid my  XXXX  bill on time. The escrow in the account was just re-evaluated and I sent in the incorrect amount. I paid {$820.00} when I should have paid {$870.00}. This is totally my fault that I did not put the entire amount correct due to the escrow change.   My contention is that the mortgage was paid the other amount goes into an escrow account until needed.   They sent information to the credit companies stating that I did not make a payment. I clearly made a payment but I have been treated as if I had paid nothing. This was clearly a mistake on my part. The problem is being treated as if I did not even attempt to make a payment. As a result, m y credit score  has dropped by  XXXX  points.  <P/> I have asked that they send a retraction to the credit companies and they will not do so.  <P/> I do not know if this is a federal regulation or if this is company  policy from my Ditech my mortgage company.    I need more help than just a supervisor saying no we did not receive the entire amount and I ca n't help.   I work hard to impro  ve my credit score and this has destroyed it from a very good score down to a average score.
I do not have the choice to p  ay my taxes and insurance on my own, and do not have the choice of changing my loan servicing company. At this poin this is what I would like to do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
Warner Asset Location Services have called numerous and countless times to people I am associated with and with people I do n't even know but know a relative of mine. They are claiming that its a fraud claim for a loan.     This company has been harassing me for the past  three months. They call about three times a day, not to just my phone number but to my cousins, sister, brother, even to my uncle 's friend that I have never met. They contacted my Uncle 's friend to get my Uncle 's phone number to get my phone nu mber.   XXXX  never once has this company sent me a letter of collecting a debt etc!   XXXX  They wont even tell me the name of their " client '' that 's supposedly trying to collect this fraudulent debt i supposedly owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
Attempted to make an online payment to our mortgage compan y Loancare. No error message ever received to show payment did not go through. Assumed payment went through as it has every other month we have paid online. Went to make next months payment it shows we are 30 days late. I called and Loancare said yes we can see you did log on and attempted to make a payment but it did not go through but sorry we ca n't help you.I had to make a payment over the phone for both months because again the website would not work. They said they could not talk to me about it and to email a dispute which I immediately did. Loancare then reported a 30 day late to our credit. We have sold our house, my elderly parents are moving in with us because they are sick and currently live far away. Loancare said they ca n't talk to us over the phone, it will take 60 days to review the dispute and sorry we ca n't help you. We are not unable to purchase the home we are supposed to close on in 2 weeks.  They wo n't look at a dispute or talk to us for 60 days but already posted to our credit.

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 2017-06-09 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: CA

Complaint narrative:
I 've made request for this company to investigate and requested copies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even tho ugh TWO YEARS has already passed. All I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On  XX/XX/2017    I was contacted by someone  at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was  XXXX  would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one  else associated with Ally financial. After a long and frustrating conversation with  XXXX   I was t ransferred to  XXXX  the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally  XXXX  told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an  hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes  XXXX  came back to the line and stated that  XXXX  was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded.  <P/> For reference purposes the phone number that contacted me was  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 2017-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldridge Pite, LLP
State: AZ

Complaint narrative:
THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY  XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  has put a claim of {$340.00} on my credit but even though I have disputed it with them and have asked them to prove the debt they still do not remove it. I want to file a complaint against this co.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
The company,   XXXX   XXXX   XXXX   XXXX   XXXX  , claimed that I originally owed approximately {$200.00} for an overdrawn bank account balance at   XXXX   XXXX   in Colorado, but he 's asking for {$810.00}. I had never done business with this bank and told them so. They were very aggressive and have called several times this week threatening to sue me if I do n't pay by the end of the week. They said they talked to me in 2014 about the debt, which I do not believe happened. He called me a liar, threatened to sue me via another company in Colorado. I called the bank and they had no records of what he was talking about.
When I told him the bank said I never had an account and that I intended to call a government agency he got angry. Then he said I owed the money to a bank in Wisconsin. He said it was the same bank, but I called that bank too and it is now not even called   XXXX   XXXX  . I checked my credit reports and the debt is not listed anywhere. They were incredibly aggressive and insulting. He re-read me " notes '' of previous conversations which were inaccurate. When I said I wanted proof they emailed me an editable word document on which my name is n't even spelled correctly. I strongly believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Documents for removal on report for  XXXX   XXXX . After filing complaint with the CfPB, they were supposed to be deleted.  XXXX  and  XXXX  have complied with deletion. Experian refuses to delete   XXXX    XXXX  ASAP.

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my Transunion,  XXXX  and   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections  for about seven days and then automatic report the incorrect information agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On  XXXX   XXXX   2017 , I noticed that  an Amazon Chase Visa ha d been added to my husband 's and mine  account. I found this out as I was checking the balance of a credit card we have had for years with Chase (   XXXX   Visa ) - a nd all of a sudden, there were  XXXX  accounts instead of just  XXXX . We had never applied for this card and called  XXXX  immediatel y. Someone had fraudulently opened the Amazon Chase Visa card in our name on the exact same  da y (   XXXX   XXXX    ). Chase cancelled the card.
<P/>
Chase was helpful in cancelling the card, but when asked if they would contact the credit bureaus, we were told that was our problem. They opened a card without any information other than an old address ( from more than three years ago ) and an obviously fake email address, but we now have to fix the problem?    <P/> In addition, based on internet research, this appears to potentially be a  n inside job either by Amazon or Chase.
<P/>  I have put fraud alerts on both my husband 's and my credit reports with all the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago i checked my credit score, and accounts via   XXXX   XXXX  , i had disputed some accounts that should have been removed from my Equifax Credit report, Equifax removed following accounts :   XXXX / XXXX ,   XXXX   XXXX   and  a second   XXXX   XXXX   account, about 10 days later when i check my score those accounts were added back to my credit report without notifying me at all. this is clearly an violation. I called Equifax, but they would not help me with this issue  . 15. U.S. Code 1681i FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer, if any information that has been deleted froma consumers file pursuant to subparagraph ( A ) is reinserted in the file, the Consumer reporting Agency shall notify the consumer of the reinsertion in writing no later than 5 business days after the reinsertion, or, if authorized by the consumer by any other means available to the agency.
I was not notified in any kind of way that those accounts were reinserted or why. those 5 days have long passed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am  XXXX  and have major financial obligations, in addition to struggling with student loan repayments, I spoke to Navient  XXXX /2017 and was told that my payments will be increased in  XXXX  to over {$700.00} I ca n't afford an increase -- I can barely pay the payment now. In the past I 've been given forbearance and what I wish I 'd been offered in a repayment plan based on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

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 2017-06-09 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: CA

Complaint narrative:
have been writing letters to this company for m ore than two years. I 've made several request for this company to investigate, re-investigate, requested copie s of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in place even thou gh TWO YEARS has already passed. Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing at all.

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 2017-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received an new escrow statement at a time where we were changing insurance companies and disputing taxes  with the county.   In this statement, I was told that I needed to pay a lump sum for shortage or I needed to pay a monthly penalty for shortage.  <P/>  Wells Fargo do es not kno w how to read an escrow account. For three years, I 've received a refund th at I 've turned around and applied to the mortgage. I called to ask why and the person on the other line wanted to argue with me.  <P/> Additionally, they escalated to their management. The  manager  was just as bad as the regular associate. He told me he was going to apply my extra principle payments to my escrow account. I do n't know why they would do this. I advised that I was purposely paying additional principle payments, and no one a  t Wells Fargo had better change these payments.
<P/>
I received a letter in the mail from this associate with the same information that 's available on their website. Go figure. I called the number on the letter to get another poorly trained Wells Fargo   associate. This associate did n't want to take care of the problem. He set me up for another call back. I know, right?  <P/> So, this person calls me tonight to again tell  me Wells Fargo i s correct. He wanted to tell me he has all the correct numbers to find out he is completely and undeniably wrong.  <P/>  Wells Fargo  did n't take into consideration my {$600.00} escrow only payment or my {$450.00} escrow payment o n  XX/XX/XXXX  o  r  XX/XX/XXXX   ( give a few days because I pay my mortgage early ). Additionally,  Wells Fargo had  {$930.00} insurance ( ap prox ) and {$4400.00} taxes ( approx ).   Both of these numbers are wrong. Because of the mistake at the  auditor, my in surance company miscalculated my annual premium. They had to request and adjustment. The adjustment was sent to  Wells Fargo. I have n ot seen a statement with the corrected numbers. The taxes were also updated to approx {$4000.00}. The auitor did not realize we had  a 3 car gara ge and thought we had a finished basement. I tried to communica te this to Wells Fargo, but t hey are not too educated.  <P/> My taxes are due   XX/XX/XXXX  and  XX/XX/XXXX  every y ear, and my insurance is due  XX/XX/XXXX  every year. With that said, I 've calculated my payments going forward for the next 20 years, and my escrow account does not show negative or within 2 months ( {$900.0 0} ) du ring this 20 year period. Of course, I do n't know what the value of my house or insurance will be from year to year. I have some cushion though for the possible increase.  <P/> I would n't be so unhappy i f Wells Fargo was  In the ballpark. They are not.

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 2017-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
i would like to ask my bank wells Fargo to send transactions a little faster to XXXX XXXX because my money will be hold into XXXX see I got pay

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