vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I submitted a dispute to Equifax on XX/XX/XXXX via mail regarding a bankruptcy inaccurately reporting on my credit file. Equifax received my letter and began processing on XX/XX/XXXX and informed me they have 30 days to complete their investigation by law. One XX/XX/XXXX I received alerts from THREE different paid monitoring sites that they pulled an update on my credit report and that the public record ( bankruptcy ) had been removed and investigaton was complete. About 7 days later, I received more alerts stating a bankruptcy had been added! How is that legal? Its stated that if a previously removed item is reinserted, the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five business days after the date of reinsertion. This FCRA requirement is rarely followed. Additionally, the creditor who reinserts the negative item must also certify the information is correct. 

Here is the exact law pertaining to this situation : 15 U.S. Code 1681i - FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I have been waiting well over 5 business days and nothing has came to me in writing. This morning of XX/XX/XXXX I called and spoke to 2 different customer service reps who could not explain why this happened and said its common. I stated that although some is common that doesnt make it fair, right or more importantly legal. I finally asked to be transferred to a supervisor who was equally unhelpful which has prompted me to formally make this complaint against Equifax for their illegal business practices and unethical tactics. They are not following the FCRA and this needs to be handled. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experian would not provide my free credit report through the US government system which forced me to purchase it for {$1.00} through their system. 

After accessing my report, Experian signed me up for their for " Experian CreditWorks Plus '' without my consent or notification using the credit card I used to make the {$1.00} payment. 

Experian also insists on sending me emails that are essentially marketing emails that I can not opt out of because they claim they are " important account information ''. 

Experian 's behavior is unethical and borderline fraudulent. I should have access to a free credit report which Experian denied through the established system and I should not have to worry about being charged for unnecessary products when I am forced to pay for a product that is free by law. 

Note : This is the first complaint I have made against a company because I feel Experian 's conduct is not appropriate given they are an organization that I am forced to have a relationship with given the authority the US gov't as bestowed upon them. They act as one of the main wholesalers of my financial data, which I have no choices in limit their access. 

Regards, XXXX XXXX Experian member ID : XXXX Date of issue : XX/XX/2018 to present

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 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
I received a call to my cell and to my home phone from Oracle Financial Group, LLC A XXXX XXXX left threatening messages stating I am being accused of fraud with a local financial instiution. 
I called the number and was called a liar, I do not owe this debt and I also looked up other complaints against this debt collector. 
I have no unpaid debts

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
No complete response to escrow issue. 
Have not applied payments tendered to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I have contacted XXXX XXXX ( Exchange Credit Program ) and submitted letters validating this debt, and documentation that this debt was opened under duress from my ex-husband and that it was assigned to him in the divorce proceedings. I also submitted a cease and desist notice regard inaccurately reporting this information and unfair debt collection as they have garnished over {$5000.00} from my income tax returns and the balance never decreased respectively and I never received notice that this debt was delinquent when they began the garnishment. As it was assigned to my ex-husband and I moved away, I had no knowledge of the accounts delinquent status. I submitted court documents proving he was responsible I even provided his contact and personal 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 2018-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MA

Complaint narrative:
Received 90 Demand letter dated XX/XX/XXXX while in active bankruptcy # XXXX. Contacted BayView Loan Servicing regarding mortgage loan # XXXX status. BayView Loan servicing did confirm status of account and could not explain why i am receiving phone calls and active attempts to collect debt. I sent in a formal dispute but to this date activity continues. 

Next, mortgage transferred from XXXX to Bayview on or about XX/XX/XXXX. There are at least 2 missing  payments and escrows have been overprojected over 1/6 above escrow pad. total Escrow balance they claim i owe is {$4900.00}. 

Finally, i contacted BayView Loan Servicing and was informed that BayView, in fact, does not have an escrow account set up for my mortgage when, in fact, i signed loan paperwork authorizing escrows with XXXX years ago. Until now, i've always had an active escrow account for XXXX XXXX XXXX XXXX, MA XXXX, my primary residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received HAMP modification in XX/XX/2013. Included a principle forbearance. Not one time in 5 years after modification did I receive any documentation reminding me about the forbearance amount or how to repay it. On the Wells Fargo statement it only included the payoff for the reduced principle. When I went to sell the home there was a lien attached as a second mortgage to some company whom I had never heard of stating that I owed XXXX dollars at settlement. I find this forbearance from the government should have been treated like a debt and made known at least monthly or yearly of the amount and I the consumer should have had the option of paying it down. Wells Fargo had no information about this debt even though they were the writers of the contract that included it. Every time I called for a payoff it never was mentioned that this needed paid off also. Two days before settlement is when I found out that I owed it and who I needed to pay it to. The company or the government should have given options for repayment to me at the time of the loan modification. I was never given this information. I feel like I was set up to fail in the end even though this program was meant to help struggling homeowners. They failed to disclose this information to me during the life of my home ownership.

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 2018-06-01 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX an automated payment in the amount of XXXX was posted to my XXXX XXXX credit card account. Around the same time my bank account was compromised and my bank advised that all outgoing payments/debits would be reversed. I contacted XXXX XXXX on XX/XX/XXXX and expained that the payment was most likely going to get reversed and that I would like to make another payment to avoid late fees and prevent my account becoming past due. I was able to speak to a manager and he processed another payment.I have attached a payment confirmation e-mail from XXXX XXXX showing the amount of the payment and the date of the payment. OnXX/XX/XXXX I received a bill from XXXX XXXX ( please see attached ) showing a XXXX balance and the payment from XX/XX/XXXX posted to my account. 
On XX/XX/XXXX I logged into my XXXX XXXX account to make a purchase and I noticed that I have an account balance of {$59.00}. The balance was for the initial account balance of XXXX, late fee and interest. I contaced XXXX XXXX and spoke to 3 different representatives over a period of 2 hours and they all stated that my account is past due because the payment from the XX/XX/XXXX was reversed. All three representatives stated that they do see notes on my account from XX/XX/XXXX supporting the fact that I did make another payment but neither could explain why they did not post the payment from XX/XX/XXXX to my account even though a manager took my financial information and provided an email confirmation for the payment. 
XXXX XXXX has now incorrectly reported my account past due to the credit bureaus and as a result it's has impacted my credit score negatively. XXXX XXXX is in violation of Fair Credit Reporting act FCRA 5 U.S.C. 1681 and should be held liable.

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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. 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 2018-06-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems

Complaint narrative:
I took out a payday Ioan in XX/XX/2017 with a company call XXXX XXXX. A company called XXXX XXXXXXXX help is representing me. I have been making on time payments to them for several years to resolve this predatory loan. They have also been sent several cease and deceit legal documents forbidding them to contact me directly. They have called my employer and a threatened to serve me with legal papers. I told them that I would file a complaint it they contacted me again. They then called me on my cell phone and were extremely rude and aggressive. I had made every attempt to pay this loan back.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-01 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: HI

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX 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 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have sent 1 round of dispute letters to all 3 major credit bureaus disputing the information of a bankruptcy showing up on my credit reports. They keep coming back verified. The court house has already confirmed they do not release information of the public record to third parties like the credit bureaus. The information need to be verified via XXXX XXXX. I have placed a security freeze on my XXXX XXXX files effective XX/XX/2018. However the credit bureaus continue to say they have verified the information which is impossible! They also have not been able to furnish an original signature of the public record because it does not exist. Please help get this corrected. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
3 major credit bureau companies accumulate information on you without your consent : XXXX, XXXX, Equifax ; which are used by banks, mortgage cos, car dealers, etc. : Just about everyone : They arbitrarily use some rating system along with keeping these statistics for an inordinate & obscene amount of time whether justifiable or not : This determines interest rates usually affecting the least of us in society that can afford these interests : EX : I had car repossessed by XXXX XXXX even though customer leasing for 10 yrs when I had XXXX XXXX & in hospital for 7 days : I called XXXX myself & told them I was behind a couple of months, but would pay XXXX of month. I even provided hospital phone number for verification : They chose to repossess my car from my driveway in a rainstorm : Irrelevant now, but cost me thousands to retrieve, etc. Now this is on my credit report for 7 yrs. etc. Otherwise my credit outstanding payment wise on all related finances. My point is this : How is it that consumers are subjected to the whims of these 3 major credit bureaus regardless of whether we have access to our scores accumulating all our private financial information which can affect us adversely for so many years as if we are convicted felons ; let alone what gives them the right to accumulate our private information? I committed no crime yet whenever anyone accesses my scores which are still relatively decent mid 700s on one, etc. considering the incident ; yet I am subjected to adverse interest rates because of the credit bureaus keeping questionable information for 7 yrs, etc. More importantly explain why these bureaus are able to control the financial circumstances of millions of Americans when there are so many other mitigating factors involved in the loaning of monies for mortgages, cars, loans, etc. including fact of building rapport & continuity of payments with banks, dealers, etc. than can determine their own judgement as to whether you are a viable risk> Absurd to have so many lives be charged excess interest fees & be subjected to the power of these bureaus who have accumulated your information without your consent : Class action lawsuit should be filed forcing them to stop these practices as well as legislation prohibiting these arbitrary year numbers of maintaining questionable information that are so incredibly time consuming to combat with them ; it would take you 7 years just to update your information accordingly : Do something : Congress should do something : Millions of people fall deeper in debt because of the uncontrollable usage of these 3 large firms that have tons of questionable information accumulated that is virtually impossible to combat in order to assist you when applying for credit, etc. Thank you for your time & effort : Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: PA

Complaint narrative:
I only knew about this alleged dept by checking my credit score. There are two accounts on there from Simon 's Agency with no additional information other than an amount and hospital name. I have made several disputes and have received no response. I had also submitted an XXXX proving I was insured and this alleged dept is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: HI

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX  XXXX 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 2018-06-01 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: GVA Holdings, LLC
State: MD

Complaint narrative:
I borrowed {$500.00} from Bright Lending ( brightlending.com ) for a family emergency on XX/XX/XXXX. With the understanding some of the payment will be toward principal. I tried to log in to the account on XX/XX/XXXX to see how my payment is being applied and to obtain a copy of the contract. However, once I went into the account, I could not find any of my information. The portal will only allow me to request another loan. I called the same to day to retrieve my contract. I was told I could get the information from the portal. After several more attempts I was unable to obtain the information. I called once again and requested to have the contract emailed to me. However, this never occurred. 

I continued to pay the loan from XX/XX/XXXX through XX/XX/XXXX in the amount of {$150.00}. I called on XX/XX/XXXX to pay off the loan and was told I owe more than the {$500.00}. When asked why wasn't any of my payments applied to principal, the supervisor XXXX advised only some of my payments will only be paid to principal. I also asked her which payments would be applied as that was not specified in the contract, she stated it doesn't matter which payments. She also stated she could not pull up my contract at that time ( which also made no sense to me ). She said she would said me another contract after the call. I have not received the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: IN

Complaint narrative:
When current on primary residence mortgage, Seterus will refuse to accept payments.We have been constantly harassed with foreclosure on a Mortgage that has Remained current.We have contacted XXXX XXXX on Multiple Occasions to bring to their attention they claim there is nothing they can do.It takes literally Hours to make a signal payment.I would guess this is why XXXX XXXX is about to fail Again with in a couple of years time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01 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: HI

Complaint narrative:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX/XXXX 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