vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: VA

Complaint narrative:
After several phone calls during the month of XXXX to correct my XXXX billing statement, Home Point Financial Corp has yet to correct the accurate balance on my account. I have been making payments via my bank for months but for whatever reason Home Point takes forever to clear the checks. Having recognized what was happening during the month of XXXX I called their office to complain and made an automatic payment over the phone in order to avoid the late fee and was advised to put a stop payment on the check from my bank, which I did. Then, checking in on the XXXX payment I noticed the XXXX payment was never processed and that I was behind for payment. As you can see in the attached from my bank statement, an automatic payment was made to Home Point Financial on XX/XX/XXXX for {$6900.00}. That payment was deducted from my checking account to pay for the XXXX balance but Home Point failed to acknowledge the payment. 

Now, after calling in yesterday to discuss the issue I was informed that there was a stop payment but the stop payment was on the bank check not the automatic payment they asked for. I put a stop payment on the XXXX bank check, not the automatic payment which as you can see from my bank statement was deducted from my account. 

Yesterday I made another automatic payment for {$6900.00} for the XXXX payment but was informed that this would be put against the XXXX payment. Therefore, I am demanding that Home Point correct the issue immediately and bring my account to current, paid in full, and remove all late fees. Both XXXX and XXXX mortgage payments have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tebo Financial Services, Inc.
State: OH

Complaint narrative:
I filed a dispute with the credit bureau XX/XX/XXXX. They came back showing that I was right. They stopped reporting for a couple months but it has started back up again. They are reporting it as being late 30,60 days late. I filed another dispute today XXXXMy mom was the main person on this loan. They are reporting on my credit every month as if we still have the car. The car was repossessed before she passed away.My mom passed away two in a half years ago. The last payment was made on the car XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I started getting notifications that my card was being denied. I noticed that it expired on XX/XX/20, but I never recieved a replacement card. I did a chat with customer service on XXXX and they informed me my account was closed due to delinquincy and to call customer service. This card was never delinquent, not even a late payment. I had had it for four years with no problems at all. When I called customer service they said that I could apply for a new card but they had closed my current one - my guess is they wanted to charge me a higher interest rate rather than renew my current card. They said they sent notification of the closure but I never recieved a notification, they just cancelled my card for no legitimate reason. Again, I have online access so I could see that the card was current on payment and you could see the payment history where all payments had been made on time.

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 2020-07-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX {$160.00} Balance updated XX/XX/XXXX XXXX XXXX Credit Card Processors Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Retail, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage   Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX all accounts and inquires ftc violations

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 2020-07-07 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: FL

Complaint narrative:
XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity

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 2020-07-07 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:
XXXX XXXX XXXX i have fraudulent account fraudulent account report on my credit report/ ; account opened by someone who stole my identity

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 2020-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
This is the third time I have dealt with Midwest Recovery Systems reporting to my credit bureau. Once already for an illegal payday loan that was over 10 years old, that they put on my credit. And another for a debt that they never sent me any notification on, and agreed to stop all collection attempts. And YET again, I have to deal with them a third time, where I got ZERO written notification on this debt through the mail that I could dispute the account, and it just APPEARED on my credit report. At this point, after 3 times of this occurring by the same collection agency, with no communication via writing, before these collections appear on my account, it is pretty obvious that they do not follow the law. 

Midwest Recovery Systems, XXXX. has reported to my credit report of a collections account that has started appearing on it as of today. I have no idea what this debt is, nor received ANY form of notification of this by mail or phone that a " debt '' was due and owing. It just randomly appeared on my Experian report without any communication with me whatsoever. Also, this account is already showing as a negative on my account, so this is now impacting me twice. Alleged balance : {$990.00} Original Debtor : XXXX XXXX XXXX XXXX  XXXX Account : XXXX Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in the state in which the debt was incurred and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX  I have 2 accounts that should be removed from 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 2020-07-07 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: CA

Complaint narrative:
I am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: UT

Complaint narrative:
I tried placing a security freeze on the credit files for each of my XXXX children. Experian only placed the freeze correctly for XXXX of my children, and sent me confirmation. The other 3 requests were disregarded as duplicate requests for myself, even though every request had individualized information, was sent in a separate envelope, and contained a written statement from myself detailing the nature of the request. I am unable to contact a live person at the company via phone as all of their numbers are automated, and no email address exists for consumer inquiry, nor is there the option for me to chat online with a representative.

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 2020-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I contact Navient customer service on or about XX/XX/2020 to see how can I go about paying my private student loans that had charged off. I was given a number to XXXX XXXX XXXX , XXXX. I contacted them and spoke with XXXX who informed me that I can settle for less and the accounts would be satisfied in full. I made the payment of {$2500.00} on XX/XX/2020. Since then I have contacted navient on several occasions asking about when will my private student loans show {$0.00} due, the payment shows on my account. I was informed on XX/XX/2020 that XXXX didn't submit documentation showing the loans were settled they just submitted the payment. So I contacted XXXX and they assured me that they sent over all docuemtations. On XX/XX/2020 I called navient and XXXX again to rectify this matter and the blame game started again. Navient don't know why or what to do because XXXX haven't provided them with the documentation whereas XXXX stating they provided them with the same documentation they sent to me ( I will upload it here ). Needless to say on today it still shows a balance and no one still knows how to update anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: CA

Complaint narrative:
I am filing this report today XX/XX/20 because I applied for a loan at XXXX and I was denied because of an account from a company called XXXX XXXX reflecting badly on my credit report. I didn't know this account was on my credit report because it's not mine ; I never oped that account and I did not allow anyone to open it in my name. I don't know who this account belongs to but I have never gained anything from it being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards that account. I also am not affiliated with XXXX XXXX in any way ; I have never signed any contract or agreement with their company nor did i allow them to run or access my credit file. I have already filed a police report as well as a complaint with the CFPB regarding this incorrect account information.

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 2020-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
Hello Im filing this complained with you today. Im not sure if I marked the correct circles. This is the debt collector name PHOENIX FINANCIAL SERV the amount is XXXX it was for XXXX XXXX   XXXX. I was unaware that I owed this money I was in an accident in XXXX the XXXX was in XXXX I was under the understanding that it would all be covered by the car insurance XXXX was paid out over XXXX was paid to medical and I was never notified that I owed anything. I tired calling the XXXX  billing department they were less than cooperative. I moved back home to XXXX  and never thought about medical bills from that XXXX again as I stated I was not aware I owed anything. I am XXXX and XXXX  living off of XXXX trying to survive. I dont understand how they can ruin my credit when they never reached out to me til almost 3 years later. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( all 3 bureaus ) 30 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I disputed charges on my debit card due to services not received and was never refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please.

XXXX XXXX I have 2 accounts that should be removed from 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 2020-07-07 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have lates on my credit report from XXXX XX/XX/2016 my loan was deferred please remove it I paid my loan in good faith may god bless you please. 
XXXX  XXXX  I have 2 accounts that should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Step 1 : What is this complaint about? 
I knew I was getting a new roof replacing the old one and being a realtor, I knew that the market value would increase to over 20 % equity to get rid of PMI. 

Step 2 : What type of problem are you having? 
Before the roof was replaced, I called my mortgage carrier, Loancare and asked " What do I do when I get the roof replaced, just send you a copy of the new appraisal? '' They said yes. So when I got the roof replaced, I contacted Loancare, they said that it had to be a Loancare appraisal. I told them that NO ONE ever told me that. So then they directed me to their site to submit the appraisal to have it accepted. No one ever contacted me Step 3 : What happened? 
I then called Loancare again and asked why the PMI wasn't removed. They told me I was late on a payment. I NEVER was. In fact, I am AHEAD of payments. I explained that when I closed on my house XX/XX/XXXX, I made a payment in XXXX of XXXX even though the 1st payment wasn't due until XXXX because I wanted to be ahead of the game. In fact, I consistently pay about 2 weeks in advance. For example, mid XXXX, I pay for XXXX. I also submitted a zip drive that shows every single payment ever made with dates AND because they offered my forbearance, I took it. I used it in the spring of XXXX. Last week, I just paid the balance due from forbearance which was about {$1200.00} because I was paying {$800.00} for 3 months vs {$1200.00} for 3 months just to bring my account up to date. Then I paid XX/XX/XXXX in XX/XX/XXXX just to make them happy. In mid XX/XX/XXXX, I had already paid XX/XX/XXXX XXXX attached a zip file of all of my payments since closing on XX/XX/XXXX, a current mortgage statement that does NOT show recent payments of forbearance payoff and XXXX payment, the appraisal and a copy of a letter I emailed Loancare Step 4 : What company is this complaint about? 
They will not drop PMI and say I was late on payments. I never was, I was ahead Step 5 : Who are the people involved? 
Over 6 supervisors who conveniently dropped my call EVERY SINGLE TIME I CALLED THEM while they put me on hold to research this complaint. They NEVER called me back even when they verified my phone number in the beginning of each call.

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 2020-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wellsfargo bank paid XXXX dollars on XX/XX/2018 to someone not the payee, review showed difference name on the the check # XXXX and no certified signature on the back of the check, bring to their attention and have claim number XXXX, later got a disputed reply because not their fault and case too old, we are payee and Payer both Wellsfargo account holder felling so unfair, we called XXXX many times with hopeless, we need help to get our money back, thank you very much, may god bless you

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 2020-07-07 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: CA

Complaint narrative:
XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX STILL reports in over days past due. XXXX  reports that I have utilized 990 % of my available credit. I have been denied an EIDL for my XXXX  XXXX  thanks to this fiasco.

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