vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
For as long as places have been checking my credit, the past 10 years, experience has had difficulty reporting returning credit reports to people that request them from Experian. They say its because of my last name which is just one letter long. XXXX XXXX and another lender have most recently tried to get credit reports from them in XX/XX/XXXX and XX/XX/XXXX of this year to no avail. XXXX XXXX is not able to process my mortgage preapproval because Experian does not return a credit report. Experian has no automated phone service that I can dial into to get help on this, and there is no option to speak to a live person. The only option they give is to write actual mail which has no guarantees of receipt or processing. There is also no given response time. XXXX and XXXX both return reports.

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 2018-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Ive applied for XXXX loan forgiveness 3 times now, and Navient continues to deny my application, althoughh, Ive fulfilled the requirements to receive this assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: FL

Complaint narrative:
While reviewing my Transunion credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.

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 2018-06-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XX/XX/2017 XX/XX/2017 These companies did a hard inquiry on my credit. I didn't give them permission to Check my credit. I contacted the creditors and they have no proof I initiated such inquiries. I requested them to remove this from my experian report. They didn't give me an answer. I has been over two months since I last contacted them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover is violating my consumer rights by providing false information about late payments to the credit bureaus. I have been a victim of identity theft, and when my wallet was stolen the crook also hacked my email addresses and forwarded my Postal Mail. I never received any statements from Discover in XX/XX/XXXXat all. After figuring out that my automatic payment was not going through and after not seeing a statement. I called Discover in XX/XX/XXXXto advise them I had not received any bills and what was going on. Discover reported late payments because of this even though I never received bills. Once I learned what happened I paid it right away. Discover originally told me they would remove these late payments. Which they did, however they did not remove them from my credit reports. Once I called today to ask them why and explain again, the person named XXXX told me they dont have to remove this inaccurate information and that they could send me a statement now months later. He also told me he doesnt care if Im a victim or not, then tried to falsely say I called discover in XX/XX/XXXX. When I asked for proof, knowing I never called them he said they couldnt give me proof that its internal only. Which is more lies. Discover is violating the FCRA. Please review this CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: IQOR US INC
State: TX

Complaint narrative:
Allied Interstate has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.

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 2018-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
I have had my VA mortgage on my home for about ten years, for about the past two years My Loan Care LLC. has unfortunataly been the mortgae handler on my home loan. I have had to interact with them before in the past over the phone and I must say that after long wait times I was greated by customer service reps. that didn't even have command of the English language and completely ignorant. Last XX/XX/XXXX I was awarded by the State of Pennsylvania total real estate tax exemption for being a XXXX XXXX XXXX  XXXX veteran, this means that I no longer have to pay county property tax, school taxes and state property taxes. 
Both the state and the VA provided me with the paperwork/documents to submit to My Loan Care that instructs them to no longer collect tax escrow on my mortgae. As of today My Loan Care LLC has still NOT adjusted my mortgae payment or refunded my escrow balance. I have made conatct with them over the phone and the reps simply refuse to explain the delay or even to tell me if they are working on it? They refuse to connect or transfer me to their tax escrow department. I was told by a rep that the documents that I have submitted are not official and " good enough '' I have had to contact a VA official for help, yesterday he told me that My Loan Care isn't even responding to his communication efforts. This particular mortgage handler seems to have a horrible reputation in the industry and I can see why. I have to continue to make my non adjusted mortgage payments that does not reflect my real estate tax exemption which is about {$600.00} more than it should be.

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 2018-06-06 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: CA

Complaint narrative:
Multiple attempts have been made to remove a fraudulent/misfiled account from my Experian credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018 I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.

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 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I'm submitting a complaint against Enhanced Recovery Company , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX ) to ( Enhanced Recovery Company , Inc. ) authorizing ( XXXX XXXX, XXXX ) to collect alleged debt. 

Show me that you are licensed to collect in my state, and provide licensed number if you are I have yet to receive the requested information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of 2018 and I noticed that there was a Fraud/Security Alert placed without my authorization. Regardless of the reason for the alert, please immediately remove the fraud/security alert from my credit report/profile. In addition to this, I am giving you advance notice to NEVER place such alert ( s ) on my credit report/profile without my EXPRESS CONSENT. Thank you in advance. 

Very Respectfully, XXXX XXXX XXXX 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 2018-06-06 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: FL

Complaint narrative:
While reviewing my XXXX credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: OR

Complaint narrative:
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to M & T bank they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around

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 2018-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Mr. Cooper will not remove the PMI from the account even though it expired XX/XX/XXXX. They keep changing the date saying payments were missed, but that is incorrect. 

All payments have been received, but no from the Service Agent up to the Supervisor XXXX XXXX are willing to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I sent a letter disputing two accounts that are being reported on my credit report. The company sent a statement back to me saying they were going to remove the account from my reports for all three credit bureaus. The letter they sent has an account number on it that is not the same as the account numbers on my report. I would like to know if they are still going to remove 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 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I've already submitted one complaint about the inability to pay. This complaint is about the lack violations of Truth in Lending and RESPA, but involves the lack of information ( rules, new terms, difference from prior loan, lack of payment stubs ) provided by the company when Shellpoint Mortgage took over the loan from XXXX XXXX XXXX on XX/XX/XXXX. Backstory is that I called to make 2 payments on XX/XX/XXXX, was told I wasn't in the database, called 10 days later as told, but was not allowed to pay because I was " behind 5 payments '', of which the 5th payment was the XX/XX/XXXX payment that I was not allowed to pay. The 4th was the XX/XX/XXXX payment that I was going to pay. I was told that I had to make ALL or NONE of the payment. I questioned why my RESPA 60 day time period was not being upheld, and have had no answer. TODAY, I called and was told something totally different- I was told in XX/XX/XXXX, I didn't have to pay all the mortgage that was behind, but only 3 payments, which we could have done. I HAVE NEVER RECEIVED ANY INFO regarding loan servicing standards, rules, payment options that were different, as above, than XXXX XXXX XXXX. I questioned to day via phone, and via email yesterday, why I was not sent any packet whatsoever, even requesting that early on, OR statements and I was told that it was because I had to request those from customer service. How can a company can take over your mortgage and expect you to abide by a different set of rules than the former company if you've never given a set of rules????? I was told I had to pay late payments, I questioned why now if XXXX didn't make me, and then was told it was her mistake and I didn't have to pay late payments. You can't expect to follow any rules if you've ever received them for ANY reason. That's a violation of TIL and RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions
State: MN

Complaint narrative:
This company has called random people that either I know or used to know. They are leaving very little info on messages and when people pick up they try to intimidate them to get info on me. I also have never received any written info until today when I called them. I asked them to send me info in the mail and they said they were too busy. He also asked me to give him my checking account number to make a payment. Once I said I didnt he said so your refusing to resolve this? They are very harassing and unless you ask they wont tell you who they are. One example is they called my ex girlfriend at her work. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX has been calling my families, friends, clients, former employers several times over the the past years. I have contacted the company several times, both in writing and phone calls, to contact only me and stop contacting anyone else. On XX/XX/XXXX they called my client 's number trying to get a hold of me. The call was forwarded to me and I hung up right away because it was inappropriate to call me at such places. I contacted the company back within an hour requesting that they stopped calling others except me and requested a debt validation letter. However, they company said that my account was already closed and there was no record of anything or calls with them! However, on XX/XX/XXXX, they called the same client again from XXXX. The same company that claimed I no longer have an account with them is continuing to harass others.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I'm submitting a complaint against Sequium Asset Solutions or XXXX XXXX XXXX, XXXX for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees. 

Proof of unbroken chain of title from ( XXXX XXXX  ) to ( Sequium Asset Solutions or XXXX XXXX XXXX. ) authorizing ( Sequium Asset Solutions or XXXX XXXX XXXX. ) to collect alleged debt. 

If debt was purchased from ( XXXX XXXX ) by ( Sequium Asset Solutions or XXXX XXXX XXXX ) provide proof of purchase and the amount that was paid. 

Show me that you are licensed to collect in my state, and provide licensed number if you are. 

I have yet to receive the requested information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
REFUSAL TO GET ME A PERSON I CAN HEAR ON A HAND HELD PHONE. 

CORPORATE REFUSES TO GET ME SOMEONE I CAN HEAR. 

SUPERVISOR REFUSES TO GET ON A HAND HELD PHONE. 

XX/XX/XXXXXX/XX/XXXX I WAS DISCRIMNATED BY A SUPERVISOR. 

VERY NASTY AND REFUSAL TO ACCOMODATE THE DEAF AND HARD OF HEARING AND TO ACCOMODATE ME ON A HAND HELD PHONE AND NOT OVERSEAS. 

2 SUPERVISORS FOUGHT ME TODAY AND REFUSED TO LET ME HEAR. 

discrimination twice from XXXX I want to report XXXX who was so rude and nasty at XXXX on XX/XX/XXXX They can pick up their handset because XXXX at XXXX just did when I called back. Fire XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX was paid on full 2015 and cant get it off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: AZ

Complaint narrative:
On XX/XX/2018 Trans Union allowed XXXX via XXXX pull a hard inquiry on me with out my authorization. I never even inquired for credit through XXXX.. There will NOT be a recorded line of any conversation with me. This is fraudulent and need this to be removed immediately from my report as it is damaging my credit. I have contacted XXXX by cerified letter 45 days ago and have not received a response. Please help.

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