vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-02 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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  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, XXXX XXXX, XXXX XXXX Company Inquiries : 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  XXXX XXXX   XXXX  XXXX XXXX  XXXX  XXXX/XXXX  XXXX/XXXX  XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Date : XX/XX/2020 My credit score ( XXXX  and Equifax ) has been dropped 43 points in one day without any reason. 

After point dropped I immediately checked details from different free providers like XXXX, XXXX. Checked report from XXXX website. And then checked with XXXX  subscribing their paid product and found nothing changed so far. Everything 's are correct and nothing are new in the report. 

My last personal loan account opened in XX/XX/2020. After then I paid all installment on time and credit usage also decreased. Some old hard inquiries also removed. 

The factor of calculation they mentioned it was same and nothing changed. I didnt get my answer anywhere that what suddenly happened that I cant see that dropped score for 43 points?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have Equifax the credit bureau about a new set of financial account that added and removed which induced a drop in my credit score of 76 points overnight. I immediately call Equifax to report the change and the false information that were inserted, I spoke to a representative and a supervisor whom acknowledged the information would neither explain why, how some information was removed ( usually good reporting accounts ) and old accounts which are not active were reported and created a drop of 76 point without a single account changing. I am suspecting fraudulent activity on behalf of Equifax which is designed to wreck someone report and artificially lower the score and make consumer pay more for credit, I was in the middle of a house refinancing and now that this maliciously was inserted i would have to pay tens of thousands more. I am attaching a copy of the change that shows what account were removed and the ones added with a phony balance, this is totally wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I have tried for the past month to get Mr. Cooper formerly Seterus to  remove the PMI from my account. I have requested in writing and inform them my balance is within the equired 20 %. A representative continues to inform me that I must call them and not request a written document. I have informed them in writing that I am currently offshore and due to COVID-19 unable to make such a call due to cell phone hacking. 

It has come to another month 's payment and I have not received an adjustment notice as to date. 

I was also informed that I would need to pay {$150.00} for an appraisal. I am fine with the appraisal, although it has been determined that I am within the required amount and due to COVID-19 all appraisals are being conducted remotely.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: AZ

Complaint narrative:
The principal balance was {$38000.00} and {$9000.00} in unpaid interest prior to filing bankruptcy, Then when I filed bankruptcy they capitalized the {$9000.00} in interest to the {$38000.00} loan and increase the principal balance to {$47000.00} and now interest is accruing on {$47000.00}. Because I filed bankruptcy, I now owe {$51000.00} due to {$3600.00} in new interest, had the principle balance stayed at {$38000.00} then I would only have been charged {$2900.00} in interest ; therefore, I now have to pay {$690.00} more in interest to date than if the student loans were not capitalized. How is this evil tactic legal? Fed Loan Servicing is kicking me at my worst and is an EVIL company for doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
My BJ 's Perks Mastercard, managed through Comenity, is illegally applying payments above the minimum payment amount to the oldest balance and not the balance with the highest APR. I had this issue with them in the past and they resolved it, and now I am on the phone with them again because it is happening again. While they may be able to resolve it again, this seems to be a systemic issue they are having and I imagine there are other people this is happening to and it's not just me. They clearly knew the issue last time I saw it was happening and resolved it, only to do it again. I'm submitting a complaint because even if my personal issue is resolved, I believe that other consumers are also being charged interest illegally and they do not seem interested in updating their computer algorithms to applying payments legally ( applying payments above the minimum to the highest interest rate )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX XXXX. The following personal information is incorrect Account Number :  Addresses : XXXX XXXX XXXX XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I've tried numerous times to log into the Loancare 's smartphone app and website. The app continue to give me an error message ( Problem occurred. Please contact customer care ) and the website fails to allow me to log in. This is a frequent problem when attempting to log into their databases. Today is the first of the month so my mortgage is due and I am attempting to pay it. I did not choose this company, my mortgage was sold to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Employer ( s ) : XXXX XXXX XXXX XXXX. 
3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Cornerstone Home Lending Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I asked the branch manager at Velocio if my loan application included the option for a float down. Emails from Velocio say it was eligible for a " one time rate negotiation float down that must take place outside of 10 days from your confirmed close date ... the rate improvement must be .25 or greater in nature '' ( see AttachmentA ). With rates falling, this was a MAJOR FACTOR in choosing Velocio over other lenders. 

On XX/XX/XXXX ( 12 days before closing ), I compared rates with other lenders and found that they had fallen significantly. Velocio confirmed over the phone that their rates were more than 0.25 below the rate I received. However, in an email, they conveniently changed the requirement to 10 BUSINESS days ( see AttachmentB ). This is still enough time .. but apparently Velocio employees have off on Friday, so it doesn't count as a business day. Shame their office schedule isn't publicly available. They then point to my purchase contract and threaten {$11000.00} in charges if I decide to go with another lender ( note : the builder owns the lender ). 

The system only works when consumers can trust the information given to them and act based on their best interests. I chose Velocio as a lender based on the parameters that given to me early in the process and now those parameters have been changed. I want to assume positive intentions on their part, but there needs to be a penalty to discourage this behavior against first time homebuyers like myself in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: IA

Complaint narrative:
I disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with XXXX by certified mail on XX/XX/2020. XXXX responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed Lexis Nexis as the furnisher of the Information. I then disputed the information with Lexis Nexis and on a later date ( XX/XX/2020 ). Lexis Nexis further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. XXXX was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from XXXX records. They are incorrect and are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The name XXXX XXXX XXXX appears on my credit report I called XXXX XXXX and they became XXXX XXXX in XXXX They are aware that this XXXX XXXX XXXX is a fraud and trying to collect debt that does not exist from consumers My credit report says this account was opened on XX/XX/XXXX The amount they say I owe is {$110.00} Please contact me at XXXX and please stop this fraud from happening to me and others. 

Thank you 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 2020-07-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX  2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX md XXXX 3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX md XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I get a medical bill for {$1000.00}. Doctor office when I contact XXXX they tell me not. That my balance is {$230.00} after insurance. I send FIRST FED CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The information of XXXX. They still want me to pay {$1000.00} to remove this account from my credit report. I tell the I will happy to pay the {$230.00} that I owe. They say no. I dispute thru credit report agencies they say the collection company want all {$1000.00}. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 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: CA

Complaint narrative:
I am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint against CareCredit /Synchrony Bank . In approximately XXXX, I took out a loan for {$9000.00} for XXXX work. CareCredit indicated as long as I made monthly payments on time, there would be no interest charged. I made final payment in XXXX without ever paying interest. 

Due to a XXXX  emergency, I had to take out another loan for {$2600.00} in XX/XX/XXXX. I again made timely monthly payments so far totalling {$500.00}. I was recently notified by CareCredit/Synchrony Bank that unless I pay my bill in full, I will have to pay interest on the full original amount borrowed. I notified Synchrony Bank that my son had been helping me financially but due to Covid-19, he is now unemployed and can not help me at all. I requested a waiver of the interest and received a letter stating, " Unfortunately, we are unable to accommodate the changes requested to your financing promotion because the terms of the promotion were established at the time of the transaction ''. Payments will be difficult for me. I am a retired XXXX-year-old and live on a fixed income. Is there any course of action I can take?

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 monetary relief