vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-19 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: IA

Complaint narrative:
2009 Bk is now 10 years old. XXXX and Experian refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus. 
It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from XXXX and Experian.

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 2019-02-19 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: NY

Complaint narrative:
Transunion has XXXX XXXX as an open account with a balance of XXXX. I was told by both Transunion and XXXX XXXX that this account would be removed by today, 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 2019-02-19 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: IA

Complaint narrative:
2009 Bk is now 10 years old. Equifax and XXXX refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus.

It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX has XXXX XXXX as an open account with a balance of XXXX. I was told by both XXXX and XXXX XXXX that this account would be removed by today, XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
This account was paid and settle with the original creditor ( XXXX ) for deletion. Source Receivable Management refuses to Verify and Validate as required by law. I asked them for their license to collect in the state of Maryland, amount owed, breakdown of fees, original signatures, date of original delinquency, and name and address on file, to validate the debt and their right to collect debt on behalf of XXXX, as required under the Fair Debt Collection Practices Act, 15 1692g Sec. 809 ( 8 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) this document explains the rules and laws that the credit bureaus and creditors/banks must abide by.

Link : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf  ( page 78 ) FCRA Section 623 ( a ) ( 3 ) ( this law is for creditors/banks ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
ANY TIME contact is made to any an entity questioning a line item that they placed on your credit report, they are required to contact the credit bureaus on your behalf, and make sure they add a sentence to your credit report WITHIN 30 CALENDAR DAYS that says you have disputed the negative item in question. 

I have a copy of my credit report on the day Wells Fargo DRS signed for my letter, and another copy of my credit report exactly 31 days later. 

I have proof that they didnt follow the law.

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 2019-02-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XXXX Ocwen Loan Servicing contacted me to offer a Home Affordable Loan modification under the government program, They represented the loan would extend the term, lower the interest rate and reduce some principle. After receiving the loan modification there was no extension of the term. I was informed that the modified loan would prevent me from refinancing for 1-3 years, but I could apply for additional loan modifications to restore the original offer of extending the term which was the MOST important modification that I needed and asked for. 

I applied 4 times only to be denied each time. This is the first attempt for Ocwen to prevent me from refinancing. 

I was notified in XXXX that the loan was due and payable in full on XX/XX/XXXX and no partial payment would be accepted, so I started conversations with lenders to refinance the loan. Ocwen then contacted me in XXXX of XXXX notifying me that the next payment for XX/XX/XXXX was due. I paid the XXXX payment and it was cashed and posted to my account. 

Ocwen then notified me that the XX/XX/XXXX payment was due and I made that payment on time also. Ocwen then returned the XXXX payment and marked my account past due. Ocwen repeated these steps of notifying me that payments were due for XXXX, XXXX and XXXX of XXXX and then returning ALL on those on time payments that were made. I made all the payments because Ocwen sent statements asking for payments and I did not want to have any late marks on my credit. 

Ocwen proceeded to mark and report my account 60, and 90 days past to all the credit reporting agencies, XXXX, XXXX and XXXX. even though there was no 30 day past due reported. This effectively prevented me from refinancing the loan a Second Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
Working with a debt consolidation company and the company XXXX XXXX XXXX calls with deceptive numbers using XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: MI

Complaint narrative:
In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with experian and XXXX. XXXX confirmed their information to the bureaus. My credit reports have not been updated.

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 2019-02-19 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: WI

Complaint narrative:
on XX/XX/XXXX i called experian to remove fraud alerts from my file. 

they are refusing to delete my fraud alert i submitted documentation attached is the documentation I sent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I NEED MY PAYMENTS RECORD ON MY HELOC AT BANK OF AMERICA, FROM THE BEGINING TO THE FINAL PAYMENT. I NEED PAYMENTS THAT WERE MADE AND REVERSED OUT. 
THANK 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 2019-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I had a Bank of America credit card on which I had a first late payment in XX/XX/XXXX. The account was closed by Bank of America and referred to Bank of America Collections. While I eventually paid the full balance due, the closed account was continuously late from XX/XX/XXXX to XX/XX/XXXX. This account continues to show up on all three credit bureau reports. Because the date of first default is more than seven years ago and the account was in collections, the entire account should by now be removed from my credit report. 

I filed a dispute with XXXX  and received notification that Bank of America had confirmed the account as accurate and is reporting it as late from XX/XX/XXXX to XX/XX/XXXX. It does not show the earlier late payments. 

I contacted Bank of America 's Credit Card Department. The employee informed me that he also saw that the account should be removed from my credit report but transferred me to the Collections Department for further assistance. The Collections Department Employee told me that they do not keep records going back that far and was unable to locate my old account for further assistance.

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 2019-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Closing date number 1. XX/XX/2019- postponed due to missing paperwork. Rate lock extended without consent from myself. A fee was charged to me.

Closing date number 2. XX/XX/2019- postponed due to mortgage company 's lawyers delaying on paperwork. Rate lock extended and another fee added at cost of myself. Fault of Quicken Loans and admitted as such.

Closing day number 3. XX/XX/2019- postponed due to seller not being out of house. No fee added bc was still in new rate lock.

Closing day number 4. XX/XX/2019- Postponed due to mortgage company 's lawyers failing to provided all needed documentation and a tax check. Assigned lawyer " on vacation '' and no one could locate paperwork. Paperwork found on XX/XX/2019 but unable to schedule new closing by new rate lock deadline of XX/XX/2019. New rate lock extension added, cost to myself. Quicken admits fault on their end but still charges me.

Closing day number 5. XXXX- Quicken contacts my attorney and states that I requested a new closing for XX/XX/2019, which I never did. Quicken also messages me at XXXX the day before asking for more paperwork that needs to be to them by XXXX that day for closing to happen on XX/XX/2019. Knowing that this was impossible since I was at work from XXXX to XXXX. They know my schedule by now, also the same person had contacted me on XX/XX/2019 asking for different information, which was provided, but know needed more. Again, another delay. So far delays caused by Quicken and their lawyer has costed me over {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
In XX/XX/XXXX, I took a loan from Prosper Marketplace , Inc . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XXXX - XX/XX/XXXX, Prosper reported my account as current. I believe Prosper did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and XXXX. Prosper confirmed their information to the bureaus. My credit reports have not been updated.

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 2019-02-19 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: MI

Complaint narrative:
In XX/XX/XXXX, I took a loan from XXXX XXXX , XXXX . Sadly, I was not able to keep up with payments on that loan. I was current on the loan for XX/XX/XXXX - XX/XX/XXXX. I never made a payment again. I never communicated with the company or made any alternate payment arrangements. 

In XX/XX/XXXX - XX/XX/XXXX, XXXX reported my account as current. I believe XXXX did this to extend the time period in which the account will appear on my credit report. Now, the account will continue on my record until XX/XX/XXXX. Also, I believe they incorrectly reported this to extend the statute of limitations on the collection of this debt. 

I disputed this information with them and with XXXX and equifax. XXXX confirmed their information to the bureaus. My credit reports have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION
State: MD

Complaint narrative:
I initiated money transfer through xoom.com which was supposed to be instant, after 6 hours I realized the money was not yet paid. I called xoom.com customer service and was told the transaction was delayed due to technical difficulties. I called back after 24 hours, the customer service agent told me she was going to check and get back to me immediately, she did not call back. I called back after an hour and requested to cancel the transaction, then, the customer service agent told me that transaction could not be completed by the recipient bank. This I do not believe because when I spoke to the customer service manager he said the money was with ACH. 
I requested for an instant refund, but I was told the money will be refunded to me in about 6 days from the day of the phone conversation. 
It is very unfair that money was taken out of my account, the transfer was not done, it took many calls for xoom.com to confirm that the transaction was not completed, and it will take almost 8 days from the day I initiated the transaction for me to get my money back. 
Companies that claim to offer instant international money transfer service should have the responsibility of informing customers within few minutes if they can not complete the transaction because it is not a free service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, Equifax, XXXX You are here by orderd to remove this alleged fradualant account at once .XXXX  sent a statment thought the CFPB that this alleged account has a XXXX bal and this alleged account was remove from the past from you CRA 'S. The name was redacted for Hippa and Privacy violations but the account number is statedlook at the balanced owed XXXX this should of never been re reported to you 3 CRA 'S REMOVE this at once this is there own omission and documentation .CFPB please look at these document for statment of fact case XXXX XXXX response this should verify the facts stated

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: MD

Complaint narrative:
This month I checked my credit reports and found an opened dispute from First Fed Credit Control from XX/XX/XXXX for {$90.00} as well XX/XX/XXXX for {$56.00}. I was never notified from the original creditor : XXXX XXXX XXXX about this owed debt. I did not receive a call or any mail to notify me of this debt. I also did not receive or hear anything from First Fed Credit Control. Therefore, I have had these derogatory marks on my credit report without ANY proper notification. I have still gone to the same XXXX XXXX   XXXX to get treatment beyond these open collection dates, and was not told that I have an outstanding balance. It is to my belief that I do not owe any debts for the amounts listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.

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 2019-02-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The credit bureaus are taking too long in getting us the responses of our credit investigations. We made our requests on XX/XX/XXXX, but they have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I contacted USAA Banking via telephone. I have been a member of USAA for over 19 years. ( Membership number XXXX ) During this telephone call I completed an Application to secure Auto Financing to purchase a XXXX XXXX XXXX XXXX The application process was very easy and I supplied all the information that was requested. Several hours later I was at the XXXX Dealership with the General Manager finalizing the transaction and called USAA Banking back to verify the Interest Rate and was told my rate would be 4.28 percent on borrowing {>= $1,000,000}. During this same call the USAA Representative was even nice enough to verify the monthly loan payments in terms of how much of a down payment I was going to make on the purchase. The following Tuesday XX/XX/2019 I recontacted USAA to find out the status of my loan and was told that I was approved but the interest rate would now be 4.74 percent. There was NO immediate explanation given until I escalated my complaint to a manger who informed me that because my credit score was ONLY XXXX the interest rate was raised. I deem this to be deceptive business practices and blatantly just fraud. USAA Has refused to speak with the USAA Representative who quoted me 4.28 percent so as to verify that I was told my loan Rate was 4.28 percent. 
XXXX 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 2019-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i was in XXXX and i think the cleaning crew that my company used took my card and used it without my consent and put it back now im stuck with this charges

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