vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
This is a continuation with my compliant ID XXXX. Loan Depot paid off my Loan with XXXX XXXX by XXXX. They are complaining to me that XXXX did not return that payment to Loan Depot. Now they are involving me in this process telling me to tell XXXX to return the payment or they will file a suite to put me back on the mortgage with them. I contacted XXXX today and was told that they was not contacted about this problem. They did say that they would not return the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
It wasn't any of those problems with the company. What happened was I got an email and phone call from someone who claimed it was from this company and they had all my information. They just wanted me to verify it and I did. Then I received another phone call about 20 mins later stating it was this company again. He was asking for my info and I said you all already have it because I spoke to someone, he got upset and I hung up. So I called the local branch and found out I was denied the loan and that no one has called me. I got the headquaters number and found out they had no one by that name working there and there was no record of someone from the office calling me. So some how someone got my info from this company ( when I probably applied online ), called me and made sure all the info was correct. This company didn't make that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/2019, I set up an extended graduated repayment plan. They put me on an administrative forbearance while they calculated the new terms and got approval for the new repayment plan. I got the new repayment plan for {$540.00} a month beginning XX/XX/XXXX and increasing the payment every 2 years over 30 Years. I made the payments on time in XX/XX/XXXXand XX/XX/XXXX. I went in today to pay my XX/XX/XXXX payment and the payment was {$700.00}. I called and ask them to fix it. 

They told me that when they put me in the administrative forbearance, they capitalized the interest. Over {$40000.00} was added. They calculated the new payment plan without the capitalized interest. The payment automatically went up to {$700.00} a month after the interest capitalized. I never asked for the forbearance and dont think the capitalized interested should have been added since they put the loans into a forbearance so they could get approval for the new payment plan. 

Today when I talked to them, they said they would put in a request for the capitalized interest to be reversed, but it would take 7-10 days to get approved. My payment is due in 7 days. They wouldnt let me talk to a manager and said none were available. I was on hold for a while before a representative came on the phone and said she would put in a request, but she was not a manager and none were available. ( Her employee ID was XXXX ) They also said they could not reverse the {$700.00} payment that was due for XX/XX/XXXX, and put in another request for a forbearance since I can not afford the higher payment. 

It seems like an abusive practice to put a student loan in an administrative forbearance just to get approval for the new repayment plan, and then add so much interest that the payment plan they approved is no longer available. I cant afford the higher payment. 

My servicer is FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: CO

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to Equifax ; XXXX and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: NY

Complaint narrative:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING

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 2019-10-18 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-10-18 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED DELINQUENT ACCOUNTS THAT ARE REPORTING INACCURATELY ON MY FILE. PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 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: Credit Protection Association, L.P.
State: MS

Complaint narrative:
CREDIT PROTECTION ASSOCIATION - has illegally reported inaccurate information on my credit file. XXXX XXXX was paid on time every month per the established payment arraignment. The file was sent to CREDIT PROTECTION ASSOCIATION whom began illegally reporting a balance that was never delinquent or in default. After speaking with several representatives at the business on XX/XX/2019. I was told by a supervisor that the inaccurate information would be deleted from my credit file upon their next update to each credit bureau. As of XX/XX/2019 the inaccurate information is still on my file. I called CREDIT PROTECTION ASSOCIATION again on XX/XX/2019 and they are not holding up to their end of the agreement to remove the inaccurate information from my file as advised on XX/XX/2019. This issue is a violation of the FCRA. 

CREDIT PROTECTION ASSOCIATION Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2019-10-18 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:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: NY

Complaint narrative:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING

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 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BRAUFMANN, LEIGHMANN & ASSOCIATES
State: IL

Complaint narrative:
Received phone calls from Braufman. Leighman and associates They said I owed a debt from XXXX XXXX XXXX Account from 2014 in the amountvof {$2800.00} They said I would be served papers at my job They had me sign XXXX and pay a lower amount to take care of this

Company response to consumer: Untimely response
Consumer complaint received 2019-10-18 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: CO

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and Transunion on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.

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 2019-10-18 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: CO

Complaint narrative:
XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement datedXX/XX/XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.

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 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PMT Solutions, LLC.
State: WA

Complaint narrative:
I've received approximately 30 calls from the debt collector over the past several weeks ( Starting around XXXX and proceeding through today, XX/XX/18 ). On the first call I was clear with them that I'd paid the debt already with XXXX XXXX XXXX ( XXXX ) and that I had a XXXX balance with them. From there, I verified with XXXX, online and by calling, and was informed that my account was closed and paid. I informed the collection agency pmt-solutions of this on several other occasions and asked them to stop calling. 

They continued calling using an auto dialer. If I answered, I'd usually get the tail end of a message reading off the last few digits of a phone number or I'd be prompted to press 1 and then be disconnected immediately. In cases which my voicemail picked up, only the last 3 numbers of their phone number ( presumably ) " 800 '' were left and no other message. In a few cases, someone answered and I explained to them there was no debt and directed them not to ever call. To contact be via usps if necessary. I've provided them proof from XXXX from the online account, they informed me that the online account might not reflect everything. I explained to them that I verified through the companies customer service over the phone, they told me they can't accept that either. I asked them to reach out to XXXX directly and they said they aren't willing to do so. 

I do not know what to do, I've sent them info and provided it over the phone.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-18 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: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Specialized Loan Servicing is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and XXXX on the SPEC LOAN SV partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from Specialized Loan Servicing. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from Specialized Loan Servicing. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.

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 2019-10-18 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: FL

Complaint narrative:
I am requesting to re-investigate all accounts which I listed on Identity Theft. All accounts are not belong to me or transactions made by me. Somebody open all accounts instead of me and used personal information. Please remove negative information from my credit report because you do not have enough proofs that it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had a mileage plus credit card and I lost my job so I was unable to pay the outstanding balance so I contacted chase to see what my options were. the account ended up going to collections before I was able to find another job. I got several settlement letters and once I found another job I was able to settle the account. I contacted XXXX who was the CSR assigned to my account and made arrangements to pay the settlement in XX/XX/2018 in which during our calls I asked here each time if once the settlement is paid that the account would be deleted from my credit file and each time she stated it would be. My credit repair company owner XXXX XXXX also contacted her before and after payment was made to inquire that the account would be deleted and she informed her that it would be. I have disputed this account several times and it still remains on my credit file. the account has been settled and there is no reason for it to remain on my account and I want it deleted ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, received a supplemental tax notice that will need to be paid. Called Mr.Cooper and told them about the notice. They confirmed that since it is a new construction and they have not paid any taxes for the whole year as it is new construction they will pay the supplemental tax bill and asked to forward the notice to mrcoopet tax dept ( sent on XX/XX/XXXX ). Received the actual bill from the town in XX/XX/XXXX and again called Mr.Cooper and told them about it. They told they will pay it and to send the copy of the bill to the tax team. The copy was emailed to their tax team on XX/XX/XXXX. Called again in XX/XX/XXXX first week to find the status of the payment and was told it will get paid on XX/XX/XXXX ( though it was due XX/XX/XXXX ) and was told mr Cooper will pay any addnl fines. Called again on XX/XX/XXXX to get the status as the bill was not paid and was told that Mr.Cooper will not pay the bill and will need to analyze it further. This has caused a delay in paying the supplemental tax bill and would put the responsibility on Mr.Cooper to pay it and for all delays. Have not seen a servicer being so irresponsible and not providing correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
This year I disputed this alleged debt by another collection company. I disputed and it was proven that they debt was not mine and was removed by XXXX and other credit bureaus that was reporting the negative information. I made it very clear to the last collection company if they sold debt to another debt collector, that I will have my attorney she the old collector and the new collector reporting this information. I will have my attorney XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Go ahead will lawsuits.Im tired of getting treated like this

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 2019-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On my Credit reports Capital One Bank, reported as of 2019 that my card was in charged off status with a failed to pay status. Making it appear to my mortgage lender that I have a recent delinquent account as if this year when I paid my Capital One credit card in full. I was even told that if I paid the card off in full they would no longer report negative information to my credit report and would remove their negative information. 

However they keep reporting it on my credit report as FP and it even says PAID. It is not a charge off when I paid the card in full. Charge off means I never paid on it and that the company doesnt expect to get paid.

Company response to consumer: Closed with explanation