vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, transunion, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on 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 2018-10-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax, XXXX, and XXXX has not sent my credit report ftc violation trying to fix the inaccurate information on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Essential Lending Inc
State: NM

Complaint narrative:
Someone has changed my debt amount XXXX. I have my case number your website is new ... ..the old website gave me a case number XXXX. I was just searching around to see if you might have information on what happened and what the loan amount was showing at the time of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
My late Father executed a Security Deed for a residential property. Now which was duly recorded. Upon my Fathers passing his longtime female companion remained in occupancy of the home and continued payment of the mortgage to cover her permitted occupancy. We were informed that the mortgage was sold. As Executor of my Father 's Estate, I established contact with the Mortgage Company. They refused to provide a status of the mortgage account despite my presentation of a probated Will, proof of Executors authority and all other pertinent instruments to confirm Plaintiffs authorization. A Check for the mortgage which was cashed and not accounted. Additionally, another Check was returned by the mortgage company refusing to accept payment. They have subsequently sued the Estate to begin foreclosure proceedings one year ago. Recently, I received a letter and a check from the mortgage company for a refund of Escrow claiming that I requested it. That is a confirmation of their inaccurate accounting and wrongful actions as I nor anyone authorized requested a refund. The mortgage company 's actions violate the right of myself and siblings who are beneficiaries of the Estate for that reason I ask for your immediate investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: NY

Complaint narrative:
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines

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 2018-10-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
Someone by the name of XXXX applied for a loan with XXXX XXXX and gave them my cell phone number. I have received dozens of calls from lenders as a result of XXXX XXXX sharing my cell phone number. I have been promised several times that my number would be removed from XXXX XXXX and the call would stop. This has not been the case as I still receive call to my cell phone XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is currently engaging in dual tracking. Dual tracking is prohibited during the modification process. 

Please see attached documents.

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 2018-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC
State: MD

Complaint narrative:
A guy by the name of XXXX XXXX called my job from number XXXX early XX/XX/2018 and advised that their client was XXXX XXXX and he was calling to collect a debt of XXXX on their behalf. He advised me if I didn't pay that day, that he papers would be served at my job and they would take me into custody. I asked him to send documentation, he advised that he sent it to my address, I never received it. I told him I only have XXXX dollars, I gave him my debt card number and withdrawed XXXX from my account XX/XX/18. He advised there was a XXXX dollar processing fee. I told him I would try to pay XXXX on saturday. He said ok. He never sent a confirmation email or number for the XXXX payment. The following Monday, he called my job again. He said I didn't receive your payment on Saturday. I said I didn't have it and I have to pay my rent. He yelled at me and said " I would take your rent from your landlord hand and he said I see you paid for gas this morning, so he was looking into my account without my permisson. He said, your on a recorded line. This is a legal matter and you should be in custody. I was very intimated by his tone so I complied paid {$400.00} on XX/XX/XXXX and told him I would try to have the rest owed Saturday. Again, I never received any legal documentation or confirmation number of payment. So, I used my money I saved for rent and paid him on XX/XX/XXXX {$2500.00}. Again never received confirmation number or legal documents.At this point, I believed I was paid up. He Called that following Monday, said I owed {$1500.00} more dollars. At this point was I realized something wasn't right. I was now 3 months behind in rent scared half the death of getting arrested and now evicted. I ignored his calls. he proceed to take {$150.00} on XX/XX/XXXX without my authorization and again {$98.00} on XX/XX/XXXX without authorization. He called my place of employment again, and I advised him. I have no more money and that he caused me to get evicted and that I never received legal documents or confirmation number for my payments. I also told him that XXXX XXXX  did not hire them. He told me I was liar said he would closed my account and hung up on me. I tried to dispute the charges on my account with XXXX but they denied and advised it wasn't under regulation E billing error. So now I am out of {$3200.00} and facing eviction. And I still have an outstanding balance with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
Kohl 's account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. XXXX account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX account number XXXX shows Pay Status Charged Off but still showing a balance and a past due amount. 
XXXX XXXX account number XXXX shows Pay Status was Charged Off, but still showing a balance and a past due amount. JCP account number XXXX shows Pay Status Charged Off but also still showing a balance and a past due amount. 

How can there be a balance and a past due amount on these accounts when they were Charged Off?

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 2018-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
6 months ago after moving to NC I changed my cell phone carrier to XXXX and was assigned a new phone number : within days I received a phone call from XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Calif. - they asked to speak to a person I didn't know ( I don't remember the name of the person they asked for but it was not me or anyone that I know ). I explained that the person they wanted was unknown to me. The response was " if you see him tell him to call us '' then they hung up. 

They continued to call me on a weekly bases so I blocked their number - ( XXXX ) XXXX XXXX - within days I received a voicemail from : ( XXXX ) XXXX XXXX the message requested I call the 866 number concerning a financial issue. I did not call since I had already talked to them and they did not believe I was not the person they wanted. 

For the past month I have been receiving a daily voice mail from the same 800 number. This has become harassment. 

I have never done business with XXXX XXXX XXXX and do not have any loans on my cars - I do not have any financial issues with anyone I do business with. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: NY

Complaint narrative:
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines

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 2018-10-03 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: NY

Complaint narrative:
Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/2018, I called Navient to see if I can get a lower monthly payment, They took my payment and reduced it from {$250.00} to {$180.00}. I agreed for them to withdraw the payment from of my bank account on every XXXX of the month. On XX/XX/2018, they withdrew the {$180.00} from my account. On XX/XX/18, the withdrew my old payment of {$250.00} from my bank account. I called on XX/XX/18 and spoke to a representative and she told me that they never cancelled the original amount, so that is why they took the {$250.00}. I then email the representative my bank statement showing where the 2 payment was withdrawn. She filled out all the paperwork and said I would have the money back into my account on XX/XX/18. I called back on the XX/XX/18, and the representative told me it was processed, and I would have the money back on XX/XX/18. I then called back on XX/XX/18 an asked what was going on with my refund, the representative e told me that they were sending me a check by mail because they didn't have my banking information for some reason. The representative told me, If I didn't have my check by XX/XX/18, then call back. Today XX/XX/18, I still have not received a check, so I called again, now they told me my account was overdue. The manager did fix the past due problem and said my refund would be here today. With this big XXXX up from Navient I received an eviction notice because I am late on my rent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 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: LEXISNEXIS
State: MI

Complaint narrative:
I have been disputing a bankruptcy with listed on my account XX/XX/XXXX with LexisNexis, XXXX, XXXX, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried a few times to correct this issue with Transunion. Most recently a dispute on XX/XX/2018. Regarding incorrect information on the birth date showing on the credit report. I have sent them information trying to correct this matter. Sending documents as proof of the correct birth date.

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 2018-10-03 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: TX

Complaint narrative:
There is inaccurate information on my credit report. Im not sure what documents are required for this so I will add the incorrect late below including the account number and the date it was opened. I have contacted the creditor and was told to file one of these. This is reporting incorrectly and is preventing me from living a normal lifestyle. I WAS NEVER LATE. Thank you for your help. 
XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX ( Closed ) Acct # XXXX Opened XX/XX/XXXX XX/XX/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 2018-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: OH

Complaint narrative:
XXXX I filed bankruptcy following that the mortgage company had the mortgage withdrawn from the bankruptcy. I was not told to reaffirm so I didn't not knowing to do so XXXX we got behind on the payments due to illness. the company sent me a letter to talk to a hud financial adviser and could not reach with the numbers that were sent in the letter. I looked on line and found one and spoke with them and was told the company I am dealing with is a predatory lender and no longer owned the home. It could work out one of three ways, I could pay the home off and never get a title or I could pay the home off and then pay them rent cause they own it or because it is a double wide they could come and take it when ever they wanted. Then the man said I am giving my money away and to stop making payments. I am now still to this day liable for making the taxes and insurance because they are not taking the house out of my name. I spoke with the loan officer at my personal bank and because they are a predatory lender they didn't want to work with them either. In the middle of XXXX we ended up in court. I explained to they other attorney what I was told and they told me I don't get to live there for free then they wanted a monthly payment beyond what my family can afford option 2 was to pay it off or get out. We had to move out by XX/XX/XXXX and I have gotten no reimbursement and have had to pay insurance and making payments on a home for 8 years that I had no chance of owning. They now want {$12000.00} and when I want to buy it was {$23000.00} and would not work with me. I am now homeless and could use some help The Mortgage company is 21st Mortgage Corporation XXXX XXXX XXXX XXXX TN XXXX Phone is XXXX the Account number is XXXX Serial Number for the home is XXXX The Attorney that represented them is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/18 I called Equifax to request a credit report and a credit freeze, with great difficulty regarding the language barrier of the Equifax staff, I asked to speak with a supervisor. Continuing to have difficulty regarding the pronunciation of my name, I spelled out my first and last name. 

My report came and on page 6, Personal Identification Information list, " name on file '' which is incorrect. On the same page below my address it list " formerly Known As '' with my correct name.

On page 2, it list a name that is not mine. 

I called Equifax again, with the same difficulty of attempting to resolve my concern. It is unconscionable that what is apparent that the agency to monitor credit has been out sourced to another country. The difficulty in attempting to spell out my name and provide information all the while having concerns that the information is not being understood due to my pronunciation and their pronunciation of letters is unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
I am a third party. I received 3 calls from Carmart in XXXX. I do not have an account with Carmart, no one living in my home has an account with Carmart, no one in my home has given Carmart permission to contact them. The 1st call on XX/XX/XXXX they left a message and asked that I have my daughter XXXX call them that it was URGENT. XXXX does not live with me, we are estranged. I did call her. It was very awkward. She apologized and said she was behind on her car payment that she would call them. The second call from Carmart, also on XX/XX/XXXX Carmart didn't leave a message. Todays call, XX/XX/XXXX, I told them I had already asked my daughter to call them back and then I asked them to stop calling me. They said they would not, they said they would call me three times a day until I had my daughter call them back. I have given them all the contact information I have for XXXX. This feels like harassment, so I told them I would report them. They said go ahead.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Altisource Portfolio Solutions, S.à r.l.
State: FL

Complaint narrative:
They contacted my elderly parents at night. My parents have a call blocker that requires the person to state their name and then my parents have the ability to accept or deny the call. 

This company pretended to be me saying they were XXXX XXXX. 

My attorney XXXX XXXX told them not to call anyone on XX/XX/2018. 

They called XX/XX/XXXX. My attorney called them again and warned them not to call again and they said they would not abide by our wishes. 

My attorney can verify all of this. 

XXXX XXXXXXXX XXXX, ESQUIRE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX Telephone : ( XXXX ) XXXX Facsimile : ( 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 2018-10-03 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: FL

Complaint narrative:
On XX/XX/2018, I made a {$610.00} full settlement payment with XXXX XXXX XXXX XXXX to submit payment to XXXX XXXX who purchased a charge off account from XXXX XXXX - XXXX MasterCard. 

I was told that it would take approximately 30 days to reflect the payment of this charge off as paid on my account. I have made numerous attempts with Experian and the XXXX XXXX Mastercard to reflect the status of this account as " PAID ''. As of XX/XX/18 they refuse to correct the status to paid.

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