vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-24 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: GA

Complaint narrative:
I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my   XXXX   report, but the  accounts have been labeled collections/charge off. Transunion and  XXXX  have yet to make any changed. I called the Dept. of Education and they informed me that they told the bureaus to remove the accounts. So I called   XXXX   regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what DOE is saying. Both the credit bureau and DOE are telling me to speak wit h the other.

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 2017-05-24 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: GA

Complaint narrative:
I just recently completed the student loan rehab program. Once this is completed, I was supposed to have all late payments removed and the accounts removed from my credit report. I have had the negative remarks removed from my XXXX report, but the accounts have been labeled collections/charge off. XXXX and XXXX have yet to make any changed. I called the XXXX XXXX XXXX and they informed me that they told the bureaus to remove the accounts. So I called XXXX regarding this, and they refused to do so. They said that I had to wait until 2018, which is totally different from what XXXX is saying. Both the credit bureau and XXXX  are telling me to speak with the other.

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 2017-05-24 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: WI

Complaint narrative:
I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX  County court house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called  XXXX  and Transunion on  XXXX / XXXX / XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information 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 2017-05-24 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: MI

Complaint narrative:
XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I disputed information on my report that I belie ve may not  be correct. Certified letters were sent and received by the company on  XXXX   XXXX  and  XXXX   XXXX . The company failed to mark this account as disputed within the 30 day period. They have violated the FDCPA and FCRA.

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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I filed a previous complaint about wells fargo and you closed the case without the appropriate resolutio n. Wells Fargo says the  " found '' about {$300.00} they owed additional. The real amount is nearly {$3000.00}. We owed $  XXXX  on the mortgage and were required to pay a $  XXXX  amount. The difference is $  XXXX . They are saying that the {$2500.00} escrow check contained additional money owed. This is not true. WHen I was receiving a payoff amount I was told that there would be a {$2500.00} escrow payment. I still paid {$3000.00} more because I had until  XXXX   XXXX  to pay it off and that would be accrued interest until then. However, I paid it off nearly a month before that,  XXXX   XXXX , so there is a month of interest, about {$3000.00}, that are they still trying to steal.  Wells Fargo  as we all know is a corrupt and criminal organization. I 'm not going to allow them to take my money as I did n't even get a loan through them. THey bought my loan without my consent. I have now wasted several hours on this corruption and expect compensation above the amount owned for that.

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 2017-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have started back in  2013 to ta ke online courses with  XXXX  university and I was doing fine in the beginning but after a while it was not easy so I called and said I could not do the classes so I left and now they want me to pay  XXXX  in student loan. I do n't have a job because I was let go and now I am unemployed and I do n't have money to pay back. I tried to get student loan forgiveness they said I could if a I paid the  XXXX  for 2 months and the rest would be forgiven. I told I do n't have money to pay for 2 months. I only get a  XXXX  a week and  XXXX  in food stamps. Now my account for unemployment is on hold so I am not getting anything at the moment!! Can you help me find a solution to my problem. I feel I should not have to pay since I did'nt receive a credit for any course and it was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: MI

Complaint narrative:
XXXX   XXXX  is reporting on my credit reports on all   XXXX   bureaus as if I owe them money and this account was established in  2016.  I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from a ll    XXXX   bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 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: MI

Complaint narrative:
XXXX XXXX is reporting on my credit reports on all XXXX bureaus as if I owe them money and this account was established in 2016. I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from all XXXX bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

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 2017-05-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oracle Financial Group LLC.
State: TN

Complaint narrative:
XXXX   XXXX  with  OFG LLC,   XXXX , contacted my mother asking her to have me call. I called inquiring what this was about and advised I was at work, so this needed to be quick or I could callback later.  XXXX   XXXX  stated I took out a loan with  XXXX   XXXX  and I needed to either pay in full or make payment arraignments. I explained I filed for bankruptcy, he stated this debt was not included. I again explained I was at work and told him he has my address, he can mail me the information he has because to date I have received no calls or mail about this debt. I also asked for no phone calls at all and only contac t via USPS. Thi s is when he stated in a threatening tone, he has a job to do and will just do his job. I would like to receive documentation and proof of the debt, this seemed to anger  XXXX   XXXX . I also will not be bullied until a payment arraignment without verifying a debt and can not understand why this is an issue for  XXXX   XXXX   XXXX  and  OFG LLC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
A Certified letter was sent and received by the company on   XXXX   XXXX   The letter stated that I had complaints about the reporting of some items on my report. I also have a record of them calling before  XXXX . They never responded back to my letter on time and also failed to mark my report as disputed on time. They have violated the FDCPA and FCRA. Looks like up to {$3000.00} in violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due X/2016, 60 days X/2016, 90 days X/2016, 120 days X/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
Modification denial back in  XXXX     2017  by  Seterus w e appealed the denial on  XXXX / XXXX / 17  then the lender switched servicers to   XXXX   mid appeal period.      XXXX   would have to honor that appeal period but new servicer claims they does not have a welcome email or new Loan number for borrower. All Seterus can say is that they transferred them to   XXXX   XXXX  .      Per Foreclosure attorney for Seterus, they are still moving fwd with the foreclosure and are also representing new servicer in this foreclosure. Did make them aware of the situation in wrongful foreclosure.     Both lenders are unable to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for refinancing my current mortgage with Bank of America and it got denied because they claim that they did n't get the accurate employment history from me even though I sent in all my previous XXXX 's and an offer letter for a new job on X/XX/17. After emailing all the information XXXX XXXX from BoA has requested, he assured me that everything ( including all my XXXX 's ) looked great and asked me to charge my credit card for the appraisal fee of XXXX on X/XX/17. At the end, the underwriter denied my application because not being employed for the last 6 months continuously was against their guidelines. Afterwards I asked for the reimbursement on my appraisal fee since it 's truly due to his oversight on this matter. If not being employed for the 6 months was indeed a problem, then he should have brought it up then. Instead he asked me to move forward with the appraisal without reading all the documents I emailed him. I tried to resolve this matter amicably by emailing him multiple times but I did n't get any response regarding this matter. I would really appreciate your help on 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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Certified letter was received by the company on  XXXX   XXXX . I had questioned some entries on my credit report. The company failed to respond or report it as disputed on my reports within the 30 day time period. Violating the FDCPA and FCRA. I believe this is up to a {$2000.00} violation now.

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 2017-05-24 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a state tax lien that was paid in full released and withdrawn in  XXXX . I have record from the court stating that  XXXX   County c ourt house nor the state of WI does not report to the credit bureaus nor do they provide information to third parties. I called Experian and  XXXX  on  XX/XX/XXXX  on this issue asking them how they Verified this information on my credit report to be true when the creditor they have to contact being the court/state does not give personal information to them. Both companies then admitted that they go threw a third party service which again is in violation of the fair credit reporting act to report false information, when claiming to get information from a court when it is actually obtained from an Unnamed third party. This is more than enough information to be a considered false information 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 non-monetary relief
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2016  I a m not sure how this happened, I believe that I had made my payments to you when I received my statements.     I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

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 2017-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
A certified letter was sent and received by the company on  XXXX   XXXX . The letter was disputed information on my accounts listed on my reports. The company failed to respond and mark the accounts as disputed within the 30 day period. This violates both the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
While talking to a mortga ge specialist on the phone from Quicken Loa ns we were interrupted by his supervisor. He proceeded to quote me a rate of 3.75 %, and was asking for my credit card #. I was not willing to engage without this being in writing. He did not inform me that this rate also had  XXXX  points for {$3400.00}. This is not acceptable to me an d may be fr aud. After complaining to this supervisor for failing to inform me about the points, the discussion became heated. I asked to speak to his supvervisor who told me this was not intentional. If not for me asking I would have been charged to proceed with a transaction that was verbal, and at no time was I informed what I was paying for. Their solution to this issue was to apologize several times, and to offer me a {$500.00} voucher for any future business I do with these glorified used car salesman. This also is not acceptable to me. I look forward to hearing from you on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  X/2016  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.

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 2017-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
according to the U.S. treasury guidelines. under the imminent default criteria I believe my brother who is a military veteran deserves to keep his home. under the US treasury guidelines he should be eligible for a   modification based on his  XXXX . He went through marital issues and a divorce in  XXXX  and  XXXX  causing him to struggle with excessive expenses, he struggled from  XXXX  and was hospitalized multiple times. He Is a  XXXX  patient and has to be   XXXX    XXXX  times a week. He was admitted into the hospital on  XXXX  and  XXXX , currently in hospital.   He has been hospitalized multiple times due to  XXXX   XXXX  and issues that may have resulted from being in the military. He depends on medical equipment for support to walk and to get around. he is only  XXXX  yrs of age and struggles like an elderly individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past  due  X/2016 ,  X/2016 , 60 days  X/2016  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.     Also, you are reporting this account twice on  XXXX  which the second account needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2017  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I have been trying to obtain information on how to remove co-borrow from the loan, (  XXXX  ) per the request of my co-signer since the middle of  XXXX  of   XXXX   (  XXXX  ) with no success. Per my conversation with the CSR they did not have a detailed history of my account and would have to submit a research request to Nelnet for further information. On  XXXX   XXXX  I received an email only contains a list of my transaction history from  XXXX  loan disbursement {$8800.00} to current balance of {$7800.00 } ( whi ch brought up another concern of why my paying for an  XXXX   XXXX  dollar loan 15 years later. I have not received the requested information yet and no answers of the process. I have been the sole payee of this loan from d ay one

Company response to consumer: Closed with explanation