vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX ; I spoke to someone on a chat line about the late fees. 
I asked them to relinquish the late fees because of unemployment due to the Coronavirus. I am a employee for a XXXX XXXX  at XXXX  XXXX XXXX. I filed for unemployment a month ago and have not received my benefit. I paid my mortgage this month with the stimulus check. I asked them to waive my late fees. 
They said no because the fees were waived in XX/XX/XXXX previously due to unemployment in XXXX XX/XX/XXXX.The school is closed for the winter break. They stated they could only waive it one time only during the life of the loan. 
.I am requesting them to waive all late fees during this 3 month period if I can't pay on time. Unemployment benefits have not been processed due to the volume of people applying. We should not be penalize because of the disaster that is worldwide..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 XXXX DOB:XX/XX/XXXX SSN:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 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 have also included a copy of the police report. 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 {$750.00} XXXX   XXXX XXXX  XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX/XXXX   XXXX {$610.00} XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XXXX  ADDRESS : XXXX 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
Consumer complaint received 2020-04-24 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: GA

Complaint narrative:
I paid XXXX XXXX  the full amount owed and not a settlement amount. The account was supposed to be removed from my credit report once the payment posted. The account still appears as a charge off on 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 explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX late payment claim with XXXX  Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX late payment claim with Experian Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a student loan with XXXX XXXX  and this loan was under SCRA benefits from XX/XX/XXXX to XX/XX/XXXX. There were no fees applied to this account and no late or missed payments. On XX/XX/XXXX the loan servicer, XXXX XXXX XXXX ( XXXX  ), discharged the loan and US Military Veteran XXXX XXXX XXXX XXXX XXXX. Shortly after this happened, XXXX reported to the credit bureaus that this account was delinquent. In short time, XXXX had this corrected. In XXXX of XXXX, XXXX XXXX  again listed the account as derogatory with first delinquent date in XX/XX/XXXX and that the account was a settled debt/charge off and paid for less than amount agreed. I disputed this information with the credit bureaus and with the loan department at XXXX  at that time and they stated that the information was correct. I filed a complaint with CFPB and the Office of the Chairman from XXXX  contacted me and resolved the issue and sent corrected information to the credit bureaus in XX/XX/XXXX to correct my credit reports and to list the account as " Settled in full ; No Delinquencies Reporting ''. Equifax and XXXX  had corrected my reports, but by the time they had corrected, XXXX  had changed their reporting, so I had to dispute again. XXXX  eventually updated their information to the correct account status once I sent copies of the letters from XXXX, but then Equifax in XX/XX/XXXX reverted the account back to being a derogatory and as a Charge Off. XXXX sent another letter in XX/XX/XXXX listing the account as Paid ; Closed account as XX/XX/XXXX. Equifax changed the account status as Paid ; Closed  Account as XX/XX/XXXX, but still listing the account as a Charge Off and lowering more score. The account is not a Charge Off and the Office of the Chariman has asserted in the letter sent to me on XX/XX/XXXX that it is not a charge off and it was not delinquent. So, I contacted XXXX  again after disputing with Equifax at the beginning of XXXX the Charge Off comment on my credit file because Equifax stated in my dispute result that XXXX  confirms it as a Charge Off, but when I call XXXX  they say that it isn't being reported as such and continue to send me the same letter. Equifax also has this account reported twice on my report ; once as bad and once as good. 

While writing this complaint, I spoke on the phone with a representative with the recovery department at XXXX and he stated that a supervisor assured him that XXXX is reporting this account as paid as agreed and not a charge off and that it is a credit bureau issue of not reporting it correctly. This complaint is solely against the bureaus not reporting correctly. 

I will send the letters I have from XXXX  that state the account is in good standing and that it has never been delinquint/derogatory/charged off if requested. The account number ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: DC

Complaint narrative:
On XX/XX/XXXX, my XXXX  XXXX Personal CD matured ( XXXX ), for {$260000.00}, & I contacted Discover Bank, to acquire a higher rate CD ( at 1.75 % ). Discover took all my information, saying it would require 5-7 days to open the CD ; the CD number was to be XXXXThe amount was to be {$250000.00} or more. I said OK. 
After 2 calls to XXXX  to request the transfer ( via ACH ), XXXX said they only transfer CD monies to a savings or ck account -- not to a CD! So I had to have Discover Bank set up a savings account & XXXX would make two test deposits to prove it was my account where the money was going. So we went through that crazy procedure & it went OK. On XX/XX/XXXX I asked XXXX why the CD & was money not transferred, & they said " Discover had frozen my savings account ''. So it could not be used. I called Discover & they said : 1 ) I should never have opened a savings account, only a CD ; 2 ) I would need pay a {$30.00} wire transfer fee for the funds. But every step of the way with Discover someone was trying to mis-lead me. Their telephone reps would say something & when I questioned it, they would backtrack & change it. They did claim the account was never froze. On XX/XX/XXXX, I learned the money was transferred to Discover & into my savings account. In speaking with the rep, I decided to open the CD with {$250000.00} & receive the rest in a check to me. The rep worked to open the CD and when I asked her to confirm the 1.75 % 12 month rate I was promised ( on XX/XX/XXXX, for at least 4 weeks ), she at first said it was only 1.5 %. I questioned this & asked for a Supervisor. She spoke to him & then told me the 1.5 % was only for On-line opened accounts but I was a call-in & would get the 1.75 %, per her Supervisor. Yesterday, XX/XX/XXXX, I received the Discover confirming letter for my CD opening ( acct XXXX ) -- at 1.5 % Typical Discover, telling you one thing, & then doing another. Right up to the edge of fraud. But labeling it always that the telephone rep was confused. 
On the one hand, XXXX was guilty of deception -- -that I needed a savings acct & proof it was me holding it. On the other, Discover was working to mis-lead me with every telephone rep comment. And the .25 % interest rate they denied me equals $ XXXX/year. Just year 1. As an honest consumer, I need Consumer Protection to exercise some authority with Discover Bank -- and secure the 1.75 % I was promised. I also filed a complaint with the FDIC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The account was paid in full and not settled for less than the amount owed. I was advised that the account would be removed from my credit report once the payment was posted. The account is still reporting as a charge off.

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 2020-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners
State: AL

Complaint narrative:
The calls began in early XXXX. I was contacted for a medical debt for a 2 years old date of service. I did not know of any debt ; I called my insurance company, and they confirmed that the bill for a visit was paid. However, upon further investigation, I found that I was billed separately by the Dr. of the visit. Each time Affiliate assets solutions contacted, to collect the owed debt, they never discussed whom I owed until I asked. I requested a written statement but was denied as they have attempted to send me mail in the past. However, that is not true, and I have yet to see a written letter from this group. XX/XX/XXXX, I was contacted by this group and asked for more information, but they refused to give any further information. Today ( XX/XX/2020, at XXXX ), I contacted affiliate asset solutions ; they were rude and continued to harass me for a payment that I do not understand. I asked if they had any information about the group that is trying to collect, and how I could get in contact with that group was told no. Again, my loved ones and I have received repeated phone calls, dealt with rude and standoffish behavior. I did not receive enough information to verify the debt ( what this debt was for, the location and who was the Dr. ),  dispute me asking for a written statement affiliate asset solutions did not give me a notice of right to dispute. They did not have any information for my insurance company to contact them and pay for this bill, but my insurance was able to go around and fix the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I feel like I got scam by the car sales man from XXXX XXXX XXXX  '' that sold us this car. This loan was super high interest. And when I notice that the sales man told me and my husband not to worry, because if you pay your loan for three months straight without missing a payment. The loan company will be able refinance the loan for a lower interest rate. So we followed the sales man instructions. And pay our car note on time for three months. And of the third month I called the loan company and tried to refinance, they told me that our credit is not good enough to refinance a loan at this time. They said tried calling back in about six more  months. So I was super stuck after that, because I couldn't afford to pay this high car note for another 6 months. I had to pay about XXXX a month on this car plus insurance. The car was about XXXX and we was charged about 35 % interest rate. We told the sales man that we could not afford to pay XXXX every month for 30 months, but he reassured us that we will be able to lowest the monthly payments in 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
On XX/XX/2020 I was alerted that 2 charges in the amounts of XXXX and XXXX had posted to my XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX  These charges were not authorized by me and no permission was given for XXXX XXXX XXXX XXXX to charge my card for these additional amounts. In XX/XX/2020, I placed 2 orders on XXXX XXXX XXXX XXXX website in the amounts of XXXX and XXXX which were processed and paid in full. I have bank records to confirm these transactions were paid in full. No additional charges were made or authorized by me. I have attempted to contact XXXX XXXX XXXX XXXX Fraud Department and after contacting them numerous times during business hours have not been able to reach anyone to report this. There is only a recording that no representative is available to speak with at this time. I am also getting the sams message when attempting to contact XXXX XXXX and report fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CT

Complaint narrative:
On XX/XX/XXXX, there was an inquiry on my credit report from XXXX, XXXX XXXX from a cell phone order. My Social Security was used and XXXX asked me to fill out a fraud form which I did and faxed it to the number they provided me. I called again after 30 days and the form was not able to be located by either XXXX or XXXX XXXX. I was being sent back and forth to talk to different agents that had no clue what to do and were not helping me at all. I then called again at the end of XXXX to and I guess they did an investigation on it which I was told by multiple agents that it was complete and the inquiry was going to be removed from my credit report within 30 days. It has been about 3 months now and the inquiry has not yet been removed. I also told them that I was in the process of getting a like of a credit for a real estate contract I had and it was going to be denied if the inquiry was not removed since it effected my score a lot. They did not seem to care and continued to say it will take weeks for it to be done. I filed a complaint with the XXXX XXXX XXXX which I received a response from the company about them not receiving any fraud forms. Also, I included all the info about the issue and they closed the complaint without doing a thing to remove the inquiry. This is getting to be ridiculous over something that was not authorized by me and I am being affected by it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I used a small portion of the credit on the card for medical reasons. I am on a fixed income, they know that I was on a fixed income when I applied and they opted me into an insurance credit that I did not ask for.

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 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo refuses to accept my monthly mortgage auto-payment at this time. In answer to my inquiry they stated that they are doing me a favor and they stopped my auto-pmts and that I don't need to make pmts for XXXX, XXXX or XXXX, and that there will be no late fees or reporting to a credit union, but they encouraged me to keep making my pmts if possible. I want to make my pmts now, and I am unable to do so. When I try to make an online pmt from any of my three authorized external bank accounts, I get a pop-up stating I can not make a pmt without having at least two authorized external accts ( Note : I have three ). I spoke with them on the phone and exchanged countless messages with them on their secure msg page on their website about this issue, and they continue to assure me that I am mistaken. I am not mistaken. And today I rec 'd a letter in the mail from them stating they have checked and that I indeed have three authorized external accts and that I can just go ahead and make a pmt if I insist. Minutes ago I again tried to make a pmt from all three of my authorized external accounts and I still get the pop-up telling me that I can not make a pmt unless I have at least two authorized external accts. I have sent them approx five or six msgs using their secure msg ctr stating this issue. Their snail-mail letter also stated that if I want to sign up for auto-pmts I need to send them a snail-mail letter requesting to do so, while simultaneously telling me they have discontinued auto-pmts during the crises. I am at my wit 's end with these people, and I suspect they are too busy distributing 'crisis loans ' to businesses [ with free gov't/taxpayer dollars ] to have the wherewithal to take care of my simple situation. All I want to do is make a monthly pmt asap, because if this is how they handle things, I have no confidence that I will be able to make timely pmts when all three come due on XX/XX/XXXX, which is also the date they say that I can again sign up for auto-pmts (??? ). And I am also concerned that I won't have sufficient funds in my accts to make three pmts at once due to who knows what will happen during the next two-and-a-half months. And bear in mind that I can not, repeat can not, make any pmts at this time. All of their confused and broken pmt protocols at this time signal to me that I may have a few hour window on XX/XX/XXXX in order to make my pmts and to avoid late fees and a bad mark in my credit. How can I expect it to work at that point when ALL of their mtge customers will be trying to make pmts, when it doesn't work now. I have been making timely auto-pmts for the five years I've had this mtge loan with Wells Fargo, and now I expect the worst. I simply want to make my monthly pmt.

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