vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 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: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have a Auto loan with TOYOTA MTR. 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, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.

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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently pulled my credit report and I noticed fraudulent accounts that were open undermy name I have never applied for these accounts. I have filed for identity theft report with ftc for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: CA

Complaint narrative:
I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.

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 2018-08-28 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: CA

Complaint narrative:
I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: CA

Complaint narrative:
I was trying to refinance my property so I consolidate my bills. XXXX XXXX is showing up on all three Credit Bureau as late but when looking at my payment history on their website there is nothing on there that reflects late. XXXX XXXX automatic pulls the money out of my bank account on the due day, never got a phone call, email, or letter stating I am past due.I also do not see were a late fee was ever charged. 
Because of this, it has caused me to be denied credit for inaccurate information and dropped my XXXX score by over XXXX points.

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 2018-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Locate Services LLC
State: MO

Complaint narrative:
A person named XXXX XXXX has been harassing a friend of mine, XXXX XXXX ( XXXX ) XXXX and demanding that I contact him. XXXX has asked him to stop but he continues to harass. I understand that XXXX . XXXX operates a small debt collection service XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX. He uses a Louisiana phone number XXXX. I have researched XXXX . XXXX and his company and discovered that he has been the subject of numerous complaints for phone harassment and violations of the FDCPA nationwide. I am familiar with all applicable statues and can state unequivocally that I do not owe any debt collectible under the XXXX. XXXX XXXX ' conduct in calling third parties, using false phone numbers, harassing calls and potentially attempting to collect a claim barred under the XXXX are all FDCPA violations. I am a XXXX year old veteran. I do not want to be harassed by this individual. I want him to cease contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TX

Complaint narrative:
My father sent me {$75.00} for a small bill. He urged me to get a XXXX card.I opened the account and he transferred funds.XX/XX/XXXX it posted as pending and had been so ever since. We have called several times and the two entities are not working in complete unity. They pass responsibility from one to the other. I need the funds and can not gain access.

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 2018-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have a Auto 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, TransUnion and XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a Auto 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 Equifax, XXXX, XXXX and XXXX XXXX with no successful resolution. Equifax, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a Auto 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, Experian, XXXX and XXXX XXXX with no successful resolution. XXXX, Experian and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I XXXX XXXX am in the process of getting myself out of debt over the next year without filing for personal bankruptcy protection. I request a full modification package at this time from my mortgage service agency, where I can explain my hardship and my plans on working through it. Accordingly, I make this request through the Consumer Financial Protection Bureau to make it a matter of review to the general public to see how national banks work with the public.

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 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NV

Complaint narrative:
On XX/XX/18 I spoke with XXXX from AmSher who said she was collecting a debt owed by me from XXXX XXXX in the amount of {$89.00} for reasons unknown by myself, the debt collection company nor XXXX XXXX. XXXX XXXX can only tell me that it was an account in my name and was closed over 12 months so they have no information. I would have no reason to open a separate account in my name alone at the same address that I share with my husband. We had an account in both our names. There was no separate account in my name only and so a fraudulent act has been committed and AmSher is trying to get money from me that is not owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I contacted the loan servicer Loan Care in XX/XX/2018, to inform them I was recently laid off. Even though I was not and have never been behind with my payments I was referred to loss mitigation. The agent told me I would have to submit a package to loss mitigation. I submitted it and was approved for a 12 month forebearance. I was told my mortgage would be {$390.00} for 12 months then I would be expected to pay the difference in my reduced rate to bring escrow account current which would be about {$12000.00}. They sent me a packet, I read over it and called back to let them know I would not do anything like that because it would put me in a bad situation and cause me to lose my home. They asked me to submit a request to deny forebearance. I faxed over my request on XX/XX/2018 to stop forebearance. My payments were paid in full monthly. Today I went online to pay my mortgage only to find they have set me up on a repayment plan without my authorization. I talked to XXXX and team manager XXXX today and asked them who authorized forebearance? They couldnt tell me. The website stated I owe {$170.00}, but my statement sent via USPS said I owe {$1500.00}. I told XXXX I needed clarification as to who authorized forebearance and what is happening to the monthly payment we are sending? He couldnt explain. I further explained to him I wanted answers quickly. Because they have sent me letters alluding to foreclosure even though we have never been late. Please assist.

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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have disputed an fraudulent account by XXXX XXXX. Experian was investigating the information and hasnt updated my account since XXXX even though the dispute was opened in XXXX and XXXX. The information Experian has on my credit report is inaccurate from the information that XXXX and XXXX  has ( which is accurate ). The collection account address and payment status is wrong. Experian will not remove the derogatory payment status and wont update my dispute in a timely matter. In pictures you can see that Experian hasnt updated the collection in dispute, doesnt have the accurate collection agency address, has an unnecessary derogatory payment status.

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 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX18 @ XXXX, pre foreclosure actions were taken after speaking with Loss Mitigation Specialist, XXXX . 
Also, In XX/XX/2018, a cheque in the amount of {$1000.00} was mailed to me. The letter stated that I requested or someone requested on my behalf made the request for the amount of {$1000.00}. I did not make a request for this to be returned to me. Mr. Cooper personnel ( s ) made the decision to return cheque of {$1000.00}, placing me in preforclosure. 
In XX/XX/2018, a wire transfer of $ 5,000+ was made to Mr. Cooper XXXX My mortgage account was made current with this wire transfer and I resumed monthly mortgage payments. 

On XX/XX/XXXX2018, I called Mr. Cooper. I spoke with XXXX and I requested to make a partial payment of {$350.00}. I told XXXX that I would call the following week to pay the balance due. XXXX stated that this would be placed in system as unapplied fund. Confirmation # for this transaction:XXXX. 
On XX/XX/XXXX18, I called Mr. Cooper. I spoke with XXXX. I made payment of {$350.00}. I informed her that the balance of {$8.00} to be applied to the principal as the balance for the mortgage payment was {$340.00}. XXXX verbalized understanding. Confirmation # for this transaction : XXXX. 
Today, I received mortgage loan statement date XX/XX/XXXX2018. I noted that {$8.00} was applied as legal fees and adj-forbearance suspense. This is incorrect as the total monthly payment was made during the Grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Dear Bayview I appreciate you assisting me with tax accessor office. Unfortunately the tax information is not corrected in tax accessor records therefore updating mailing address is impossible. 

It appears to be an attempt to steal my home. There is no record in XXXX XXXX XXXX ( called today ) file that anyone filed a claim or followed procedure regarding my Condominium Rider. 

I was in bankruptcy in 2009 when my address was added to a lawsuit I was not a party of. The court corrected/void documents which no longer affect title. 

As soon as another agency/third party completes investigation and confirm my ownership a new story or letters do starts all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/2018, US Bank accepted my credit card dispute against XXXX XXXX ( merchant ) for failure to render services ( involving online social media web traffic and advertising ) as agreed in the amount of {$3400.00}. 

I provided a personal detailed letter in the filing of my dispute, and I also followed up with additional letter and documentation on the official form they sent to me to fill out. In that letter was a copy of email correspondence in which representatives for XXXX XXXX XXXX company stated that after a year or so their attempt to provide the services paid for had failed and they were no longer going to try, and they offered to " bait and switch '' to other products/services the buyers. 

I never received any other correspondence from US Bank for additional information to clarify what was disputed. Moreover, I never receive any information that the merchant had provided information to counter my dispute. I am of the understand that the merchant did NOT reply to my dispute. 

However, in a letter dated XX/XX/2018, US Bank denied settling the dispute in my favor and recharged my card. US Bank claimed that insufficient information was provided by me support my claim of failure to render services/product as agreed. 

Upon receipt of that letter, I sent back a reply asking for the matter to be reviewed and settled in my favor because no addition information was requested outside of the form that needed to be filled out and returned ( which was returned ). As well as, there was no evidence the merchant had provided anything to counter my dispute, which was properly and legally filed, therefore the dispute legally should be settled in my favor. 

As an additional method of appeal I have filed this complaint with the CFPB.

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 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PARSON BISHOP SERVICES, INC
State: OR

Complaint narrative:
Was contacted in XX/XX/XXXX about a sorority debt that was due. Was told that I had to create a payment plan and they insisted I put it on a credit card if I could not pay it out of pocket. I was never given a written notice about the amount of the debt, or any additional information such as the right to dispute the debt. After giving them credit card information I realized I had the right to dispute but they had already subtracted money I didnt have from my credit account. The debt is now {$5300.00} and I dont know how much it was to begin with due to not having a written or official notice of this debt or any account number to track it. I do not owe this debt and was forced into paying it because they insisted I had to. I called them again in XXXX and they did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: NC

Complaint narrative:
Department of Education is reporting incorrect information on my credit reports. They first was reporting that I was 120 days late when I disputed that information, they updated the notes to the loan being in collections. How? When this my two student loans was paid in full approximately a year a half ago. I check my credit score periodically and this has dropped my credit score 42 points. Which is hurting me in trying to get approved for a mortgage. These accounts are over 7years old, and has been paid off I would like them completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: FL

Complaint narrative:
Hello I am writing to complain about the way my student loan debt has been handled. In or about 2010 I had about {$100000.00} of student loan debt because of finishing XXXX XXXX or I obtain my XXXX XXXX. I moved out of the country and because of my financial situation let y student loans lapSe for a short period of time and during this time whoever was in charge of these loans double the amount that I owed from XXXX to XXXX roughly these figures are not exactly precise but in the right neighborhood. So I contacted the lenders the federal financial loan people XXXX XXXX and asked repeatedly for them to investigate why this happened. There was never any satisfactory answer as to why this happened or a resolution of the problem. Each year even though I have since handled my loan situation by signing onto the new income-based repayment plan there has still been about {$10000.00} added and it each year because of interest even though Im not required to pay until I find a job. I have repeatedly requested from the XXXX XXXX XXXX XXXX XXXX that they investigate this and reduce the figure that I owe them to what it really should be and either receive no response or a response that says we can do nothing about about the unfairness of adding so much extra money to my balance when in reality it really ought to be down around {$100000.00} figure which is where I borrowed in the first place to graduate from college

Company response to consumer: Closed with explanation