vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOME FINANCE OF AMERICA
State: CA

Complaint narrative:
My husband and I purchased a home in Nevada. We went through a loan broker and were provided a loan by XXXX XXXX. Before our first payment is due, XX/XX/XXXX XXXX XXXX sold our loan to XXXX. I do not want a loan with XXXX. 

We have excellent credit and never missed a payment. Had I known they would have done this I would never obtain the loan through them. Our loan broker said they were a direct lender and retained their loans. We were lied to. The broker is XXXX XXXX out of XXXX. Do we have any recourse? I am very upset. This is fraud.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: IL

Complaint narrative:
I seen that on my XXXX XXXX account that my score went down by 88 points due to a Eos Cca ) XXXX? From XX/XX/2018? I have no idea what that even is.. I have not apply for anything or nothing..only bill I have is a car payment! I just had a credit repair company fix my credit!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX/XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
disputed multiple times about XXXXXXXX XXXX being reported as being late when in fact that account as been settled over 6 yrs ago. called the creditor which is XXXX and they stated that they haven't been reporting any late payments since its been settled. therefore Equifax keeps stating that they have verified the account as accurate when in fact the creditor hasn't been reporting any information to them. 

Called Equifax and relayed what XXXXXXXX XXXX had to say, and the person at Equifax says that I have to pay XXXX a month for a few month for them to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
i turned in my lease on XX/XX/XXXX to purchase a new XXXX vehicle,, the dealership paid off my remaining lease payments so i could purchase the car,,, ,i had a 48 month lease started in XX/XX/XXXX .... 
so after the paperwork was finalizied i get a letter in the mail on XX/XX/XXXX, ,that i owe more then what i was told when i called for payoff the day i turned over car,,,, It was for other amounts such as disposition fee of XXXX which were paid when the dealership paid off car,,, also sales tax fees XXXX, ,and a sales tax fee XXXX.they also have a adj lease balance of XXXX ..but when i called for payoff they told me a couple of times it was XXXX ... they have total liability was XXXX ... so the difference they have is XXXX ... but they have put on my credit report that this car was not paid for 8 months,,, and my lease pmt was XXXX per month ... that is wrong i never paid 1 payment late in almost 48 months ... .also they dont show the amount paid anywhere,,, ,i have tried to contact them for the past several months also sent the credit bureaus copies of check i sent them to payoff car,,, because they are showing i havent paid this car in months, ,when actually my lease was up in XX/XX/XXXX ... .can you help me with this??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Purchased tickets through a private sale. Tickets were transferred to me via XXXX, I paid for them through XXXX. Once tickets were paid for the seller voided the tickets and disappeared. 
Seller info is XXXX XXXX email : XXXX phone number XXXX Transactions through wells fargo. I called them within two hours of these transactions, I had paid for one ticket at a time. They claim that it is not secure and you shouldn't use it unless you are family or friends with the person you are sending money to, even though on their very own website they claim it is secure. 

I feel wells fargo is being fradulent in that they refuse to refund me the funds back. 

I have all of the emails from XXXX and wells fargo regarding the transactions and can forward them to the necessary individuals.

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 2018-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
Heartland payment systems hold my restaurant credit funds over 20 days, heartland never contact me after this happened, until I get on my online business banking account to check my balance, my balance went to negative, I got not enough money to run my business, have a great impact on my spirit and business. one of heartland employee counterfeit signature on my documents, I was uninformed about this, that is not my signature. Also they cancel my service with out my command, until I called heartland customer support to found out. When they do anything, they will not let customers know, that they will arbitrarily change customer information. ( my restaurant name : XXXX XXXX. address : XXXX XXXX XXXX XXXX Ohio XXXX phone number : XXXX merchant ID:XXXX. heartland customer support : XXXX XXXX XXXX and customer service:XXXX XXXX XXXXXXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX  XXXX XXXX XX/XX/XXXX (  12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )

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 2018-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association
State: NM

Complaint narrative:
Complaint is regarding Idaho Housing, XXXX XXXX relating to incident occurring in XX/XX/XXXX and remains ongoing with no updates to a resolution. 

Preliminary : XXXX XXXX XXXX was moving its business out of state and I needed to find new home owner 's insurance by XX/XX/XXXX. 

I found two homeowner 's insurance companies, XXXX ( XXXX XXXX XXXX ) and XXXX. I opted for XXXX insurance which was finalized through intermediary, XXXX XXXX XXXX company and it was billed to my escrow account with Idaho Housing. Billing amount with XXXX was for {$630.00} in XX/XX/XXXX. 

For another reason XXXX was also processed and billed to escrow for {$1000.00} in XX/XX/XXXX. Another duplicate billing for an amount of {$1000.00} was done in XX/XX/XXXX. I am assuming this is for the same homeowner 's insurance amount for XXXX. 

It is understandable that I should have only {$630.00} and {$1000.00} billed to escrow. The {$1000.00} was reimbursed by XXXX via check, which was deposited into my checking account. I have yet to trasfer the {$1000.00} to my escrow. However, the main inquiring of concern is regarding the other duplicate amount of {$1000.00} dated XX/XX/XXXX, which needs to be reviewed further for additional clarification. 

Additionally, back in XX/XX/XXXX I was terminated from my employer and I attempted to reach out to Idaho Housing for additional assistance for my mortgage. Idaho Housing representatives stated to me that due to my loan being less than one year Idaho Housing could not be of assistance. I also want to make sure that at the time of contact, Idaho Housing was following FHA Servicing Guidelines and Regulations regarding my attempt to explore workout options. 

I was in contact with Idaho Housing call center representatives with no timely success to my problem that has arisen with the company regarding my homeowner 's insurance. 

XXXX and XXXX are not the focus of attention- resolutions were made with both companies. No documentation needs to be shared with XXXX, XXXX XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX XXXX XXXX XX/XX/XXXX ( 12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )

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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have an account that's too old and I want that account to be remove from my credit report. Please remove XXXX XX/XX/2006 ( 12 years ) 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 non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have an account that is too old and another account that needs to be updated. Please remove XXXX XXXX account XXXX ( 15 years ) and update XXXX XXXX balance XXXX ( that account was paid in full, balance is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )

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 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX and 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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX ( 11 years )

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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX  XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: NV

Complaint narrative:
I received a copy of my credit report and I notice I have a hard inquiry that is fraudulent. Please remove the fraudulent hard inquiry from my credit report XXXX XX/XX/2016.

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 2018-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CA

Complaint narrative:
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX with no successful resolution. Equifax and XXXX   are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: NV

Complaint narrative:
I received a copy of my credit report and I notice I have fraudulent hard inquiries in my credit report. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
I have a loan with THE MONEY SOURCE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and THE MONEY SOURCE with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: NV

Complaint narrative:
I received a copy of my credit report and I notice I have fraudulent hard inquiries. Please remove the fraudulent hard inquiries from my credit report XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
[ See ATTACHED Credit Item from my Credit Report ] ... This month, XX/XX/XXXX, a Collection Account for {$1300.00} from Southwest Recovery Services was placed on my Credit Reports ; Collection Account # XXXX, with a opened date of XX/XX/XXXX. The ORIGINAL CREDITOR shows as XXXX XXXX XXXX XXXX. I have NO KNOWLEDGE of ever doing ANY business dealings with XXXX XXXX XXXX XXXX. Additionally, I have NEVER received any WRITTEN DEBT VALIDATION from the Original Credit or the Collection Agency.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There is a medical collection on my experian credit report. I called the creditor and they stated that this would be removed. It has been removed from the other two reports but not Experian. I filed this complaint before and Experian lied on the response stating that this was not on my credit report when it is. This violates hipa and needs to be removed asap. Experian has now extended this investigation to an additional 30 days.

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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that Experian has posted to my report. They have allowed XXXXXXXX XXXX  to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.

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 2018-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a mortgage with Bank Of America, and owned my home for 23 years.I was never late just one day in 2013 i ask the bank about a refi to help lower my payment, They told me about there hemp program so we went threw the process and they lowered my payment and everything was all set they told me several times. for over a year or more i payed them and was again never late then after the 13 or 14th payment they refused taking anymore payment and fought with me and said i never payed them. I had all copys of the cashed checks to them and they put down on my credit i never payed. So then i hired a lawyer to help with this a to make a very long story short the judge denied me a trial and never gave me the time of day so they took my home and i cant appel it because iv spent so much money fighting this and the XXXX federal judge at te end said " check Mate '' what ever that means. This is mind blowing and unfair. I even ask our attorney general for help and XXXX XXXX and still no one will et back to me. Can someone please contact me and help with this. 
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