vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 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: IL

Complaint narrative:
On three different dates, I submitted disputes to Experian requesting an investigation pertaining to a Bankruptcy that is reporting inaccurately on my credit file. The first letter I submitted requested an investigation, the 2nd and 3rd letter requested documentation stating their means of verifying information ; the name, phone number, position, and address to the company or person who they used to verify the accuracy of this bankruptcy with. On all three occasions Experian sent back letters stating that unless I send them relevant information to support my claim, they will NOT reinvestigate the information again. I am not the one who needs to furnish proof, Experian has a legal obligation to complete a thorough investigation and supply the consumer with all information obtained during the investigation. Experian failed to do that. In their letters, they stated ; " we contact the furnisher of the information or the vendor that collected the information from a public record source such as a court or other government office ''. However, I verified with The bankruptcy clerk at XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX, that they DO NOT directly supply bankruptcy or any personal information with any credit bureaus or agencies. 
They failed to disclose the source and according to the Fair Credit Reporting Act statues, the inaccuracy must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX it was brought to my attention that my cars title was showing as lemon law manufacture buyback/salvaged. Upon further research is seems on XX/XX/19 the title of my car was transferred from my name to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX to inquire how this could happen as Im in a current lease and the car has never been sold. They said it wasnt their fault, but this puts me in a bad position of having possession of a car that me nor the lease holder are showing as owners. I can not drive a vehicle without proof of ownership yet am paying on a lease for a vehicle that somehow my title was transferred to a different party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: NY

Complaint narrative:
This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
portfolio recovery continues to call my work phone at XXXX for an invalid debt & was told to stop. they also contact my home phone @ XXXX after being told repeatedly to stop. Under the fair debt collection act I do not want any further calls at either number. they also continue to use phone dialing voip systyms to contact me multiple times a day after being told to stop. they have also reported this adverse information which is untrue to credit agency 's. further abuse & further contact will result in filing a federal lawsuit. every call is now being recorded & entered into court documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 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: NY

Complaint narrative:
This is to report that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # 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 2019-02-27 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: PA

Complaint narrative:
This information is related to crimes involving the intercepting and forwarding of outgoing calls from XXXX XXXX XXXX & XXXX XXXX XXXX. One number doing this is XXXX XXXX XXXX. 
I went to get the app credit wise by XXXX  XXXX. The app said that it couldn't confirm my identity. I then applied for a XXXX XXXX credit card. One of the security questions asked me " does XXXX own a house in XXXX XXXX? ". While intercepting my outgoing calls and pretending to be busineses like XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX And XXXX   and XXXX  the sane customer service agents with the sane names XXXX and XXXX mostly over the last 2 decades have adked security question in order to do things like have XXXX reinstall software previously paid for. I believe that this XXXX cell is an independent contractor call center located in XXXX XXXX XXXX, possibly one call center that I was previously employed by in or around the XX/XX/XXXX. This company also telemarkers falsely as a credit collection agency and uses their power to try and steal debt owed by preventing communication with the real company. Example my XXXX account both times. The 1st time tgey refused to let me pay the pager bill unless I paid a credit card off first. The second time around XX/XX/XXXX -XX/XX/XXXX. They  refused to let ne speak to customer service about a discrepabcy on the bill having to do with having already paid XXXX. XXXX XXXX refused to remove from my credit report when I have paid them. I briefly had XXXX in XX/XX/XXXX through them XXXX  and XXXX where I get my XXXX XXXX XXXX # and forward to XXXX XXXX XXXX. We throygh my mom have mostly had XXXX through her account 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 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
I have overdraft fees tied to charges that posted with a positive balance on my account. At the end of day on XX/XX/2019 I checked my account and had about {$5.00} in it. According to Wells Fargo reps the system posted the transactions in a different way than what it shows on the consumer side of the system. This caused my account to be actually XXXX even though it didnt show to me the prior night or even on the following day when the overdraft charges were made.

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
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DC

Complaint narrative:
Loan was transferred to Rushmore in XX/XX/XXXX and the escrow account maintenance resulted in a payment shock without advance notice, causing potential under billing and balloon payment due at maturity. 

Facts : Account XXXX was transferred from XXXX to Rushmore in XX/XX/XXXX Upon transfer Rushmore did not acquire evidence of borrower 's homeowner insurance ( HI ) and factored HI payment in escrow calculation On XX/XX/XXXX, borrower provided evidence for homeowner insurance with no gap Starting in XX/XX/XXXX, Rushmore lowered the total monthly payment due by {$15.00} Harm : Rushmore -under calculated principal and interest monthly due amount upon transfer -improperly made the assumption that homeowner insurance was missing -when borrower provided evidence, Rushmore did not adjust monthly principal and interest payment due but kept them at the under calculated amount -the result is borrower had a payment shock without advance notice and keep being undercharged month over month -the loan would have taken longer to be paid off and if borrower do not overpay there will be a balloon payment due at maturity date

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Loan XXXX I was behind on my mortgage for 1 month but I made arrangements to pay back the monies owed to escrow in 5 extra monthly installments in addition to my mortgage. I have made three of these extra payments but my credit report score has dropped about 80 to 100 points as of XX/XX/2019. If I am now current and paying back why was me credit score effected so much? O am current with this first lien mortgage and current on all my other credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: TX

Complaint narrative:
On XX/XX/XXXX and after I have been unable to get my credit report and score from EQUIFAX. XXXX XXXX, XXXX and XXXX XXXX were all unable to pull my EQUIFAX report and score. I found this odd as it was working on the XXXX and before. I was pulling the report to see if an account had been update when I noticed the issue with my EQUIAX report. 

When I called EQUIFAX directly I was originally told there was an issue with their computer system over the weekend and to call back or try the next day. The agent also tried to pull my report on his end and was unable. The next day I called again and was told after reaching a US rep that it may be because I had a fraud alert on my file. The alert was 10 years old and I had never had an issue getting my report or score with it on there. The agent reached out to the backend people and had the alert removed after verifying my info. She told me that was more than likely the issue and to try in 15 minutes or the next day. The next day I tried again and still there were errors with pulling the report. I tried again through XXXX, XXXX XXXX and Equifax directly. I was getting multiple error codes ( Eval Code : - Status Code : FL, Reason Code : TF ) but was being told there was still nothing in my file that would prevent anyone from pulling my report. The agent said he could see my report and could mail me a copy. The call ended with him telling me there was nothing wrong with my file even though I was getting errors from EQUIFAX directly since that is who I was working with. 

We are roughly 3 months from finishing a home build and really needed to be able to access my credit report to see where my report was so there would be no surprises. The lack of care or effort for a company like EQUIFAX to fix this when its such an important part of someones life is completely unacceptable for a company to do and is borderline criminal in the neglect they have for such information. I need EQUIFAX to actually fix and acknowledge the issue instead of passing me off to a different department and claiming there is not an issue. This as of now will prevent me from obtaining the home loan we need until the issue is fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: WI

Complaint narrative:
On XX/XX/XXXX we were informed by letter that XXXX XXXX  XXXX had sold our mortgage to PHH Mortgage Services. We were given a new phone number and account number for our loan ( see attached letter. ) It is now XXXX. We owed less than {$7000.00} on the mortgage. XXXX had always been wonderful.

Immediately upon receiving the PHH letter on XX/XX/XXXX, I called to make sure that they would continue to take out our payment of {$400.00} automatically. We are paying extra each month to pay off the mortgage earlier. It took me 3 or 4 phone calls to get through their menu system and reach a person. I could only do that because I hit the button for beginning a new mortgage.I explained the issue and that we'd paid {$1000.00} recently. I was assured they would take money out automatically, just like before I explained we were trying to pay it off asap ; she seemed sympathetic and understanding about this.. My husband and I paid {$1000.00} extra in XXXX to XXXX before PHH took over. It was cashed XX/XX/XXXX. 

On XXXX we received a letter that stated that their " records show that the account is currently paid ahead. The monthly payment that is automatically drafted from a designated financial institution will continue, however, please note that PHH will only begin drafting the monthly payment once the account is no longer paid ahead. '' We called on XX/XX/XXXX at XXXX XXXX upon realizing that they had NOT taken out the XXXX payment as promised. After 24 minutes, XXXX talked to someone who said we could only change the payment every month by changing the withdrawal amount. He was frustrated at their lack of help because they refused to take out the {$400.00} for XXXX ( as promised ) and thus we owe more in interest than we should. The phone call ended abruptly - all of a sudden the line went dead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I made a bulk appliance purchase from Lowe 's and used there Fixed Payment -- 60 month option. My first minimum payment of {$150.00} was due on XX/XX/XXXX and I made a {$200.00} payment prior to the due date. Every month since then, I have made a {$200.00} payment without fail and my minimum due has always been {$150.00}. XX/XX/XXXX, I accidentally made my payment 1 or 2 day too early and they are now charging me late fees and penalizing me saying that I missed a payment. I never missed a payment. I have record of a {$200.00} payment every month. My only mistake was paying one month a day or 2 too early. I spent an hour on the phone with 4 different transfers, asked for a supervisor, got a manager for maybe 5 minutes and transferred again. They all kept saying I missed a payment and that I owed {$300.00} to make it right. So, I am being penalized and my credit is going to be affected because I made my one payment too early ... not late. They finally said they would lower the payment to {$190.00}. When I asked why it was more than the {$150.00} minimum due, she said because of the late fee. I just can't understand why they couldn't go back, see my entire payment history like I can, realize I never missed and make the needed correction to fix this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
My cash app account was closed with no warnings. I tried to use my cash app card. It was declined, i than received and email stating my account was closed please follow these steps to cash out. I did but it wont allow me to cash out my money. Several emails later with the same responses yhat the account ia closed. But they allowed my child support direct deposit to still go through. Now I can not speak to anyone. I have {$3000.00} just stuck in a app with no customer service or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/1999 to present, {$70000.00} loans, i suppose to be on income based but my loans increase even through I make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
MEMO TO : Seterus, Inc. via its legal counsel ; Nationstar Mortgage d/b/a Mr. Cooper FROM : XXXX XXXX XXXX, XXXX. 

RE : NOTICE OF SERVICING TRANSFER dated XX/XX/XXXX of LOAN NUMBER XXXX ( copy of Notice attached to this email ) DATE : XX/XX/XXXX PLEASE TAKE NOTICE that a disagreement exists between me and Seterus regarding the unauthorized charge of {$280.00} that appeared on my XX/XX/XXXX statement. Despite efforts to have removed, Seterus ignored my request and has engaged in its longstanding practice of late fees, etc. during the pendancy of the disagreement. 

As a quick summary of this disagreement, I have copied and pasted the XX/XX/XXXX, email between me and Seterus ' attorneys : From : XXXX XXXX [ XXXX : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX <XXXX> Cc : XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> ; XXXX XXXX <XXXX> Subject : Re :  XXXX XXXX , XXXX XXXX, Pursuant to the terms of the Mediation Settlement Agreement, incorporated into the fully executed Modification Agreement ( with the unilateral cramdown of an additional .XXXX  % interest rate ), the new principal balance agreed upon and incorporated into the modified loan paperwork included ALL charges of every nature. 

After timely making my initial payments, the statement from Seterus dated XX/XX/XXXX included an additional {$280.00} that the Seterus rep I just spoke with identified as " legal expenses ''. This is unacceptable as contrary to the terms of the Mediation Settlement Agreement and the terms of the Modification Agreement. I also find the amount suspicious of passing on the cost of the last mediation conference that Seterus was obligated to cover in full. 

Please reply to me explaining your position and let your client know that I am requesting a detailed statement explaining the source of the {$280.00} and a waiver of same pursuant to the settlement of the wrongfully filed foreclosure action. 

Best regards, XXXX XXXX XXXX XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ***end of XX/XX/XXXX email*** This disagreement continues and this email serves as formal NOTICE to the new servicer, Mr. Cooper, and my demand that before accepting the balance as accurate on the above-referenced loan, that an accounting be required, that the {$280.00} charge be removed, along with all late fees, etc., and that the account be reset as current, and the payments will resume based on the corrected balance. 



Please acknowledged receipt of this email and your response to my demand by XXXX XXXX XXXX   tomorrow, XX/XX/XXXX. 



XXXX XXXX XXXX, XXXX, XXXX, XXXX Florida XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
My receiver in the XXXX did not receive the money through Western Union until today XX/XX/2019. It should be available as what they promised XX/XX/XXXX. But I already file a fraudulent transaction and cancel/ stop my transaction today and get my money/ full refund. But they said it will take 7 days. I hope I could get my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a member of the XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX, at present ). I opened a Chase XXXX credit card account while I was a cadet ( not XXXX XXXX ; not an XXXX or enlisted ; this is XX/XX/XXXX XXXX at the XXXX XXXX XXXX XXXX. After I graduated and commissioned as an XXXX and became XXXX XXXX I requested SCRA ( Servicemembers ' Civil Relief Act ) benefits be applied to my account, namely the ceiling on interest rate charged. I started this process in XXXX through the Chase online and phone systems to no avail. After getting help from some XXXX XXXX lawyers, I subsequently sent a formal package and request via certified mail with all requested proof in XX/XX/XXXX. My request was still denied. The reason given for denial is that Chase is claiming I was XXXX XXXX while a cadet/student at the XXXX XXXX XXXX. The SCRA report shows " XXXX XXXX XXXX '' from XXXX to XXXX and then " XXXX XXXX XXXX XXXX '' from XXXX forward. 

I did not commission into full XXXX XXXX as a XXXX XXXX until graduation from the XXXX XXXX XXXX after I had opened my credit card account with Chase. The XXXX XXXX XXXX I presented this situation to concurred with me and recommended that I try sending a formal package to Chase and then submit complaints to the various consumer protection bureaus if that didn't work.

Company response to consumer: Closed with monetary relief