vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MI

Complaint narrative:
We sold our home in the XXXX. Michigan and purchased a new home and property in XXXX Michigan in XX/XX/XXXX. We had a VA 30 year fixed loan and the payment was XXXX. Our loan was sold to a new mortgage company , The Money Source, in XX/XX/XXXX. We received a letter explaining that our loan had been sold and where to send the payment with no other information provided. We then received our " first '' mortgage bill at the end of XXXX due XX/XX/XXXX and the amount was {$500.00} dollars more than our original mortgage payment. At the same time, we received a " new '' mortgage insurance amount that had doubled within a few months. In addition, we received our " new '' property taxes and they had also doubled. When everything was said and done within one month our payments increased {$800.00}. When we contacted the mortgage company they stated to us the changes were in relationship to our " home '' not being our " principle property. '' We told them it was indeed our principle/primary property and our " only '' property they told us when they purchased our loan the information indicated it was our " secondary '' property. 

The mortgage was done as a primary residence at the time of closing. We have lived in this property as our primary since closing. We have no other property. The new mortgage company , The Money Source, took it upon themselves, at the time of servicing transfer, to change my property from primary to secondary, contacting my homeowner 's insurance and property taxes without ever reaching out to me for clarification. Due to this clerical error, my payments have been made unaffordable, putting my husband and I into significant stress and despair. Furthermore, the mortgage company refuses to expedite any changes as this has been ongoing for months. I am running out of money and options and I sincerely need help to prevent me from losing my home due to the actions of the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what criminals have done to hurt us.

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 2019-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Soo I have been a home owner for 20 years my loan has been bought and sold numerous times which basically means your stuck with the company you didnt get to choose so my mortgage was taken over back In XXXX the new company has a different set of rules then any other company Ive dealt with in the last 20 years of homeowner ship that I find unfair and predatory and here are my examples first they havent sent me a single letter let alone a mortgage statement second I have always been able to have a 15 day grace period to pay mortgage not with this company third if I chose to make a payment from an automated phone call its {$12.00} free with the other 7 companies if I choose to pay online its free till the 4 th of the month then there is a fee again usually free till the 15 with any other company there are more issues but what Im getting at is how is it fair for them to change the terms of a loan on me without my consent

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 2019-08-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
PRESTIGE FINANCIAL SERVICES INC is continuosly attempting to collect a fraudulent debt by placing said debt ( account number on credit report # XXXX ) on the credit report of XXXX XXXX ( last four ss # XXXX XXXX. This alleged debt was settled in a court of law 3 years ago ( judgment attached ) yet PRESTIGE FINANCIAL SERVICES INC continues to list this fraudulent account. PRESTIGE FINANCIAL SERVICES INC hereby agrees that XXXX, XXXX can take immediate legal action if this alleged debt is not removed from the credit report of XXXX XXXX within 7 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are multiple accounts being reported on my credit reports including different balances, and dates under the same account number.

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 2019-08-03 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: CO

Complaint narrative:
On XX/XX/2019 I filed a complaint with Equifax concerning a collections debt and other address and phone number and name mistakes that did not belong to be. ( My ex-wife 's maiden name XXXX and her new married name XXXX have been reported as mine ). I also filed this with XXXX and XXXX, both of which resolved these issues ( expect the names ) before 30 days. On XX/XX/2019 the complaint was completed by them- they corrected the address and phone number but not the 3 debt collections. 
I was unable to access my results on line. I called few days later, nothing was resolved. On XX/XX/2019 I filed another complaint with them regarding the same issue ( 3 debt collections 2 of which held with XXXX XXXX XXXX for XXXX XXXX XXXX   XXXX ). I was again unable to access my results on line. In mid-XXXX XXXX  of the collections debts were removed from my report ( one from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), as reported by XXXX XXXX. One has remained, the entire time. In Mid-XXXX I again filled another complaint for the last one held by XXXX XXXX XXXX for XXXX XXXX XXXX  XXXX. This bill also does not belong to me. 
I have tried at least 10 times to access my results on line as instructed by the emails sent by them, every time except one has failed, I am always sent to a page to call them. I have also never received any copies of my credit report from them as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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:
I had a mortgage through XXXX that was sold to XXXX in XX/XX/XXXX. While the mortgage was still under XXXX in XX/XX/XXXX I filed for Chapter XXXX bankruptcy and my mortgage was included. I never resigned the loan, but I do still remain in the home and do make regular payments on it. 
Once the bankruptcy went through, XXXX stopped reporting my payments to credit agencies. When the mortgage was sold to XXXX they began reporting to Experian. I still have not resigned on the debt and have no legal obligation to pay it, so I disputed the debt with Experian. They investigated and decided the credit reporting was valid. I need the credit reporting on this loan to stop as it was discharged in 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 2019-08-03 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: IL

Complaint narrative:
I asked the credit agency Equifax to contact my student loan compies and inforn them that they were reporting all my loans as past due for the years XXXX both loan companies and Equifax have not corrected the student accts with past due payments. the acct should be currect and in good standing due to forbearences and deferments for all four years, current till this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX I called wells fargo 's corporate office and put a stop payment on a check from a company that I was having problems with. I have attached a copy. On friday the XXXX of XXXX they paid the check and after charging me for the stop payment they pay the check because according to them it is not a guarantee. What a crock of XXXX. XXXX and other banks have no problems honoring stop payments. So now wells fargo refuses to give me the money back and tells me that I have to file a claim and there is over XXXX missing because of this transaction. Taking money for a stop payment and then not honoring it that is fraud. And what bank is the king of fraud. WELLS FARGO. Also I have a couple of other disputes with them that they refuse to send me proof and are allowing companies to sign my name to transaction and they do nothing. Please help me get my money back and personal charge some XXXX here with a criminal felony account. I have never heard of a bnak not being able to honor a stop payment.

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 2019-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Today is XX/XX/XXXX. Based of the past five billing cycles, my next bill will likely be due on XX/XX/XXXX. I went online view how much I owe and my statement isn't ready. I am not an expert, but I believe that the law says I am supposed to have my statement a minimum of 21 days in advance. My statement normally ends on the XXXX of the month prior. In this day and age, it should not take this long for a credit card organization like Capital One more than a few days to generate these statements. It makes me wonder if they are intentionally delaying statements so customers have a shorter repayment window.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: PA

Complaint narrative:
I've tried to resolve this situation several times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 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: PA

Complaint narrative:
I've tried to resolve this situation several times but to no avail.

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 2019-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
On XXXX XXXX 2018 I bought a diamond ring for My wife for our XXXX wedding anniversery at Diamond international that they said was a XXXX for {$18000.00} when we got back Home to XXXX nh we had it appraised at a local jewler that said it was worth {$9500.00} I spoke to DI who said I had to bring it to one of there appraiser and gave me the name of XXXX XXXX at XXXX XXXX XXXX. XXXX told me the ring was a XXXX to XXXX and had XXXX chips that DI never mentioned and said yhey were probably done in the mounting of the stone. When I told this to di they said they would give me 25 % off a new mount but I have to spend double what I spent or I could get a {$45000.00} DI gift card I told this was not an option since they lied to me about my first purchase with them and told them I wanted to return the ring since it was not a XXXX that the certificate they gave me said and had two chips they never disclosed. I filed a dispute and they continue to give me bad credit rating which should not be allowed since its in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-03 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: GA

Complaint narrative:
Equifax has been sent documents to verify identity for dispute purposes. I have several inquiries on my report that I did not initiate and I have submitted multiple disputes about these inquiries. I initially submitted the request in XX/XX/XXXX and followed up in XX/XX/XXXX and again XXXX XXXX. There have been no results of the investigation or any acknowledgment of the requests. I have two accounts ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX that were deleted from my credit report in XXXX and I just found out recently that the accounts have been reinserted and there was no kind of notification from Equifax that these accounts were reinserted as required by law. I have made multiple calls to Equifax and have attempted to resolve over the phone and online but I am unable to get assistance because they say they can't verify who I am. I have sent in multiple verification documents and still no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
For about 8 months, I have been getting recorded calls asking for someone other than myself or anyone in my family, ( sounds like XXXX XXXX ), I assumed they would fix the problem if I didn't call back, since it is not me they are asking for. The other day I finally called to explain to them they had the wrong person and to take my number off their list, I don't know this person, As I was speaking the man says oh ok, by the way is this XXXX XXXX, Then he proceeds to tell me I have a XXXX outstanding CO pay due with his collection company, GLA Collection Company,  To start with I pay the CO pay at the time of service, so this can not be true, and second is this tactic legal? Please let me know how I should proceed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Re : Lowes store card ( Synchrony ) In XX/XX/2019, we received a letter from Synchrony regarding our Lowes account. We have always paid the account on time or within the grace period described in terms. In XX/XX/2019, another creditor marked us with a 30 day derogatory on our bureau report, which was a mistake due to misapplied payment. We have two accounts with the creditor who reported the 30 day derogatory and the creditor took the payments we sent and inadvertently applied to only one account versus both accounts per our instruction, systemically-generating the delinquency. The creditor who made the error sent us a letter, and is remediating ( I actually work for the creditor, have had those accounts for almost fifteen years and never went delinquent ). In fact, I have an excellent payment history on all my accounts with zero derogatory marks. Because we have a high balance on the Lowes card and are in the process of paying down consumer debt associated with a remodel, and due to the misreported item, Lowes shut our card off with no warning and increased our interest rate to over 26 %. I forwarded Lowes proof of the misreported item by the other creditor and they did not take into consideration. Customer service was obstinate and cited a couple times when our payment hit the account a few days after the due date, even though the payment XXXX the account within the grace period indicated on the terms. My husband changed jobs and we had to readjust our spending like everyone else does when a job change happens. We have never missed XXXXne payment or went 30+ delinquent. The person on the other line kept telling us we did go 30 days, so we investigated all three bureaus and our payment history ... she was either mistaken or being dishonest because we also disputed the ridiculous interest rate we were being charged. It is an insult to the consumer to be charged almost 30 % on an account closed by the creditor that never went delinquent and was always paid as agreed within the grace period prescribed.

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 2019-08-03 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX, FL 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