vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 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: Lending Club Corp
State: TX

Complaint narrative:
I re-consolidated a few credit cards in order to reduce my monthly payment into one. After have all the accounts transferred into one account for XXXX XXXX, apparently some credit card companies still reported my status incorrectly. Now I have delinquent accounts showing in my credit, and it does not allow me to purchase anything on credit, even though I am still making payments on all those expenses. I just want to remove the delinquent accounts under my credit. The Current Payment Status under Lending Club Corporation shows in collections, but the amount was transfer into XXXX XXXX and I am still paying on the amount. 

It also shows in their " remark '' notes that another lender purchased the debt, and Lending Club Corporation was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: PA

Complaint narrative:
Several attempts have bin made to contact collection agency below for account validation, NOT verification. I respectfully requested that this agency provide me with competent evidence that I have any legal obligation to pay them, witch they have failed to do so. 
Collection Account : Receivables Management P, in the amount of {$510.00}. 
Address : XXXX XXXX XXXX XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold key credit inc- XXXX XXXX XXXX XXXX Amount : XXXX Date XX/XX/2016 but they sent it to the credit XX/XX/2917 I have been trying to solve this problem since my son pass that day. I went to hospital because my baby was in XXXX ended up losing him and having an emergency deliver knowing that he was not alive anymore. So as u can imagine until today this is devastating for me. The XXXX XXXX from the hospital I dont know why did not charge the right insurance, by that time my primary was XXXX XXXX XXXX XXXX XXXX and the second one was through my employer XXXX XXXX. Instead of the XXXX XXXX charged my primary they charged my secondary, so for that reason they did not pay. They are supposed to cover what the first one do not cover. The hospital charged my right insurance so I dont understand why if is the same visit the same day same reason why the emergency did such a big mistake. Please help me, they told me that is too late to fix this and that the primary insurance which is was XXXX XXXX is not going to cover. Its not my fault, please help me solve this problem to at least have a little peace for my son that pass away and for me. 
Thanks, XXXX

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 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This has been ongoing since the Shellpoint Mortgage has taken over the servicing of our loan. The story is long but consistent. The short is we have a bi-monthly payment set-up with this company. We have always had our loan serviced this way as it works best for our budget. We have never missed a payment. According to Shellpoint,  their system requires an every other Monday payment schedule. I have called Shellpoint at least 20+ times regarding late fees and have been met with confusion but in the end the issue had been resolved for at least a few months until the letters start again about every 3 months. More phone calls made, the same response. This has gone on for 3.5 years. Finally, about a 1.5 ago, I spoke with someone who offered an auto payment plan that could put us on their schedule. I was always under the impression that the mortgage servicer could not change the payment schedule originally set up by the mortgage lender. but after years of frustration I finally caved. After 3 sign-ups with their plan and now a 4th, they still have not set up the plan and we are now getting threatening letters telling us about foreclosure and thousands of dollars of late fees and reports to credit agencies. I'm fed up and have no where else to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: NY

Complaint narrative:
Experian has been inaccurately reporting my XXXX account with late payment history. I have taken steps to resolve this matter with the company directly and have had no success. This also took place with my XXXX and XXXX files but the error was immediately corrected. I have supporting documentation from XXXX directly and am requesting the error be corrected.

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 2019-04-16 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: JH Portfolio Debt Equities, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I used the dispute form on the XXXX  website to request an early exclusion of two collection accounts ( for {$1800.00} and {$4500.00} ) from JH Portfolio Debt Equities that were already set to fall off my credit report on XX/XX/XXXX. The correct date of first delinquency ( DOFD ) on both accounts was XX/XX/XXXX. 

In response to my request, XXXX obtained verification from JH Portfolio. In this verification, JH Portfolio CHANGED my DOFD on both accounts to XX/XX/XXXX. 

XX/XX/XXXX is when both accounts were charged off from XXXX XXXX. There were six months of late payment delinquencies prior to the charge off. The initial 30 day late ( the first delinquency ) was XX/XX/XXXX. 

I completed another dispute with XXXX on both of these accounts on XX/XX/XXXX. I faxed XXXX  a copy of my credit report from XX/XX/XXXX, which indicates the first delinquency in XX/XX/XXXX, leading up to the charge off in XX/XX/XXXX, as reported by XXXX XXXX ( the original creditor ). I further submitted a credit report from XX/XX/XXXX, which shows JH Portfolio reporting the correct DOFD before they falsely changed it. 

In response to this dispute, JH Portfolio told XXXX that the information they reported is 'verified '. They did not supply XXXX with any hard evidence or proof that the DOFD is what they claim it is. They are knowingly reporting false information to XXXX in order to re-age both of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am XXXX XXXX XXXX ( XXXX, US Public Health Service ) serving at the US Embassy in XXXX XXXX, XXXX. My wife and I applied for a mortgage to purchase a home in New York. Because we are based overseas, we need to rent the home out until we return back from service overseas, so we applied for an investment property mortgage. 

We applied on XX/XX/2019 with Bank of America, our current bank. 

On XX/XX/2019, I received an email from Bank of America that said that our mortgage application had been denied, because : ( a ) we are living in a country ( XXXX XXXX overseas and are not eligible to receiving financing to buy a home in the US, ( b ) we must sign all disclosure documents while in the United States. Please note that we are not residents of XXXX. We are carrying US government diplomatic passports and serving at the US Embassy on XXXX XXXX. 

As a XXXX  XXXX covered by the Servicemembers Civil Relief Act, I am concerned that I have been denied a loan, because I am serving my country in a hazardous overseas location in the defense of my country. It seems Bank of America will only provide me a loan if I return back to the US -- in violation of my duty to the US government and sacrificing the defense of our country.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD

Complaint narrative:
Someone got a hold of my credit card and made fraudulent charges on XX/XX/XXXX in XXXX XXXX, and charges on XX/XX/XXXX, and XX/XX/XXXX in XXXX XXXX, SD. for a total of {$130.00}. I immediately disputed the charges and sent information to Bank of America proving that I was nearly 200 miles away when the charges were made on XX/XX/XXXX. 

Bank of America said that since the pin was somehow used, even though I was in another state, that I would have to pay the charge. I closed my account and paid the charge. 

I thought that it was the end of it, but on XX/XX/XXXX I was charged for the charges made in XX/XX/XXXX in XXXX XXXX after they had initially taken those charges off my account. Although I was in XXXX XXXX on those days, it his more than 200 miles from XXXX XXXX. 

I feel like Bank of America has unethically penalized me for closing my account with 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 monetary relief
Consumer complaint received 2019-04-16 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: MO

Complaint narrative:
My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was incarcerated. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.

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 2019-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a student account at Citibank four years ago. The bank clerk told me there was no cost. I opened my account this month and saw that I received two service fees. XXXX and XXXX. {$25.00} each time. I called and complained about customer service. So I know that Citibank changed my account to an account that requires a service fee without telling me. Then, under my complaint, they only refund half of the service fee. I am very dissatisfied. Citibank has all of my information. But they did not inform me that my account will change.

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 2019-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Credit & Finance, Inc.
State: HI

Complaint narrative:
On XX/XX/2019 I received a response from The XXXX regarding my issue with Atlantic Credit and Finance and they acknowledged receiving my payment and that such debt was satisfied. They said debt was being handled by XXXX XXXX and they have been directed to start the satisfaction of judgment process and they attached a copy of a release letter from Atlantic statingthe account in question is settled and the consumer has no further obligation to the account. I called XXXX on XX/XX/2019 inquiring about this debt from Atlantic Credit and Finance. They did not receive anything and that the account was now sold to XXXX XXXX XXXX XXXX # XXXX. I called they stated they had nothing from Atlantic Credit or XXXX and stated I owed more money on the act. I explained to them the situation and that they couldn't help me but that I still owed money!!!

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 2019-04-16 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: MO

Complaint narrative:
My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was incarcerated. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit report does not reflect the true nature of my credit file. My identity was stolen and fraudulent accounts has been opened in my name, while I was XXXX. Here are the unknown accounts and I would like them blocked from my credit file. Account # 1 ( XXXX XXXX {$6000.00}, Account # 2 ( XXXX XXXX XXXX {$530.00}, Account # 3 ( XXXX XXXX {$290.00}, Account # 4 ( XXXX XXXX ) {$250.00}. I would like to be provided with the orginal signed agreements / contracts supporting these claims. But they are not mines, please remove.

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 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: SC

Complaint narrative:
Home point financial purchased my mortgage in the middle of XX/XX/XXXX, they then charged me for insurance at a rate triple of what my current insurance was I was not contacted and did not find out until I was looking at my online statement in early XX/XX/XXXX.

They had opened up an escrow account without my knowledge or permission, I asked them to provide documentation of when I gave permission for them to open escrow and they can not provide it.

After charging me for insurance when I had already had insurance, I called and emailed proof of insurance on XX/XX/XXXX.

Several weeks later they still had not corrected and refunded my account. I sent additional information and after over a month they credited my account for the insurance.

However, They have increased my mortgage payment by {$100.00} a month and have not closed the escrow account. I have emailed over 10 times. In addition, they charged late fees when I refused to pay the increased mortgage payment.

I BELIVE THEY ARE BUYING Mortgages WITH THE INTENTION OF MAKING MONEY BY CHARGING FOR LENDER PLACED INSURACE. With little research I was able to see the lending company is affiliated with the insurance company writing the lender played policies. I can not think of any other reason they would have purchased my loan as it has a very low APR and is only a few years from being payed? They would have made more money underwriting a new loan at current rates? Also when they purchased my loan they must have inquired if the property was currently insured? PLEASE LOOK INTO THIS!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I XXXX XXXX XXXX had a Mortgage with Ocwen Loan Serving, LLC the last payment received from XXXX XXXX was on XX/XX/17 this payment didnt include a debt withdrawal of XXXX onXX/XX/2017 .. this payment was never made to Ocwen or has it been returned .. Ocwen failed to provide pay- off information to equity accelerator or stop these payments.. I myself had to stop payment with my financial institution too stop these unauthorized payments.. after loan should have been paid in full.. we were required to pay ahead a month before the first month of starting this program..so in XXXX XXXX we meet those requirements.. not XXXX or XXXX ..My wife XXXX XXXX was authorized to talk on my be-half on these time frame with both of these companies.. I already authorized her to do so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
I'm not sure what exactly..but it seems off almost like its missing information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
I am a flagstar customer. I was in active foreclosure until XX/XX/2019. Flagstar would not help me. I reached out to the ga hardest hit funds. The ga hardest hit fund approved my request sent flagstar the amount to bring my loan current. I checked on flagstar website not sure of the date but late XX/XX/2019 and the had sold my loan to XXXX and on their website my loan was paid up until XX/XX/XXXX. I have proof from the last complaint against flagstar. On XX/XX/2019 flagstar called me asking when will I be making my XX/XX/XXXXpayment. I said I am paid up until XX/XX/2019. They have took those payments from me and paid advances. But my advance was paid with the XXXX. I really think someone at this company is deliberately trying to put my loan in default so I can lose my home. When I call my call is still routed to the default department. Why? I am caught up. I requested XX/XX/2019 to have those funds moved back to my payments. I checked this morning XX/XX/2019 it looks like I am due 4 2 payments. How is this possible. Flagstar is doing alot of underhanded things to make sure I lose my home. I was not prepared to make a mortgage payment until XX/XX/XXXX like the letter and my online account stated. I hope they honor this letter signed by their office of president. If not I am moving forward with filing a lawsuit ag6this company. Because somebody is doing something illegal.

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 2019-04-16 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: WA

Complaint narrative:
A repeated issue with Experian. They have been showing an account as 'failure to pay ' status, damaging my credit score, where in reality the account has been paid in full and closed for years. They are completely inept, and have repeatedly lied to me about contacting the original debtor, claiming that the original owner of the debt verified their information. Not only do I know the information to be false as a simple matter of fact ( and, by the way, the other two major credit bureaus have the correct information ), I called the original debt owner myself and validated that their records are accurate. So it is XXXX  % solely an Experian problem and they are outright lying to me claiming it isn't. They have falsely claimed to have 'addressed ' my problem nearly a dozen times over the past 4-5 months and have made very little progress toward fixing it. The last complaint I filed resulted in them changing the status from 'collections ' to 'failure to pay ' which I suppose is progress ( maybe? ) but is still completely inaccurate. Again, this is an account which was PAID IN FULL and CLOSED YEARS AGO. So, Experian ( you paying attention? ) ANY STATUS WHICH SHOWS A BALANCE OWED IS INCORRECT.

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 2019-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: FL

Complaint narrative:
LJ Ross will not remove from my credit. I spoke to both LJ Ross and XXXX XXXX XXXX XXXX. They both tell me that neither one of their company 's can remove this debt that has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation