vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I was lay-off of my job but I found another job shortly after .... However, the new job paid less money. Before I get be hide on my mortgage I contacted my mortgage company and explained my situation and asked for a modification. I was told by the mortgage company that I had to be at least 3 months be hide before the could do anything for me. After my savings were gone which was months later I filed for a modification. I sent in all required documents and made all three trail payments. After that I was told by my account manager that I had completed everything that I had to do and now the underwriters had to process the modification. I called every month to get an update. Finally, I was told to make two payments to bring the mortgage current and my modification would be finalized. I made the two payments and called the mortgage company back in two weeks. At that time my account manager informed my that he had giving me the wrong information. I was told that I had to pay over 20K ( the arrears ) to bring my mortgage current or loss my home. I wrote upper management and explain the issue. Management was extremely rude to me. And now I an in the process of losing my home. This entire experience has been long, hard, misleading, stressful, inhumane, unethical and unprofessional. I hope that no-one never has to go through this awful experience from Bayview Loan Services LLC. This mortgage company needs to be accountable of their mistakes. Because the way they do business is negatively effect hard working people 's lives in a major way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
carrington still denying borrower formal written requests to speak on non recorded line.why should borrowers be precluded from assistance or loss mitigation options because of this request which is totally reasonable and legal and as right of borrower in massachusetts .also XXXX XXXX at carrington sent a letter in response to borroweer complaints that are inaccurate and borrower has definitive proof that XXXX XXXX claims is not orrect and trying to paint borrower in unfavorable light to hasten foreclosure,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: FL

Complaint narrative:
I had a hard inquiry on my credit report on XX/XX/2019 that i did not authorize company to look into my credit, I did not apply for any type of credit.

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 2019-02-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have filed a previous complaint against Chase bank regarding account ending in XXXX. My identity was stolen and there was a chase bank card opened under my name. I sent in my police report with all the information. Chase bank proceeded to tell me that they are finding the account valid due to payments coming out of my checking account. They have 4 different checking accounts listed making payments. 2 which are on my police report as fraudulent and 2 which I have never heard of. They stated that there were payments made out of XXXX XXXX  ( which are on my report as fraudulent ), and the signature on the bottom of the check does not even match mine, a bank named XXXX which I have never owned and XXXX XXXX  which I have never had an account with. I asked for proof of these accounts and if they showed my name. You can see from the copies I have attached that the name on XXXX does not belong to me nor is it the same business name or address with XXXX   number. I have also requested that the charges on the card be investigated and they have refused to fulfill my request. This account was not opened by myself. My identity and all personal information was stolen to open this and other accounts as they have seen on my police report. I want the charges reviewd and I want to know how you can hold someone responsible when the payments are not even coming out of an account that belongs to me. This needs to be addressed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX Equifax, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, I erroneously issued an electronic payment from my XXXX XXXX account to XXXX  in the amount of {$200.00}, which cleared my bank account on XX/XX/XXXX. The account referenced on the electronic payment was XXXX. The payment number was XXXX. I no longer had an active credit card account with XXXX at the time of payment and no amount was due to them at that time. 

I called the customer service line for XXXX  credit cards several times, and on XX/XX/XXXX, a representative of XXXX XXXX  faxed the payment information to XXXX with the payment disputes department for XXXX  at XXXX. I have attached a copy of a letter I received from XXXX XXXX   detailing this. I am also attaching a copy of the page from my bank statement that shows the {$200.00} payment to XXXX from my XXXX XXXX account. 

On XX/XX/XXXX, I followed up with a letter to XXXX, which is also attached, because I had not received a refund of the payment. I faxed the letter to XXXX and have attached a copy of the fax confirmation. I also mailed the letter to XXXX XXXX XXXX XXXX, MN XXXX. As of today, XX/XX/XXXX, I still have not received a refund of the payment that was not owed to them, nor have I been contacted by them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01 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: RI

Complaint narrative:
Some account have been pay off and credit score never has gone up

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 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XX/XX/XXXX and XX/XX/XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B

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 2019-02-01 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: FL

Complaint narrative:
I detected many fraudulent accounts reporting on my credit report. My personal information was exposed in several data breaches in XXXX and XXXX XXXX, XXXX mass data breach. This resulted in my identity being stolen and used to open and misuse fraudulent accounts. I REQUEST THIS INFORMATION BE REMOVED IMMEDIATELY. I Remove accounts in compliance to FCRA SECTION 605B

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 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
On XX/XX/XXXX a payment amount was made to principal without instructions being provided to do so. Then for the subsequent months the loan servicing provider charged me late fees. I talked to the customer service rep ( employee id XXXX  ) on XX/XX/XXXX at XXXX XXXX. She informed me that the firm will not reimburse me the lat fee money. In fact that this is something programmed into their systems

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 2019-02-01 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: RI

Complaint narrative:
Some account have been pay off and credit score never has gone up

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 2019-02-01 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: RI

Complaint narrative:
Some account have been pay off and credit score never has gone up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I received bill from XXXX XXXX XXXX XXXX , XXXX stating that I owed XXXX dollars and that I am in collection. According to the Staff, XXXX XXXX, my insurance recently paid the account in XX/XX/XXXX and I am now in collection. 

I contacted the Hospital, XXXX XXXX XXXX XXXX XXXX Hospital, and spoke with the billing department. They indicated that my bill is paid in full for both the Hospital and Physician and that I do not owed a bill. 

I communicated to this to First Federal Credit Control and I ask for something indicating why I owe the bill. I staff became rude and informed me that she will report my account to the credit bureau to damage my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: GA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX  XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,

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 2019-02-01 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: GA

Complaint narrative:
I have disputed the late payment status reported on the account XXXX XXXX XXXX  XXXX but got no response from the credit bureaus..This error has affected my credit score tremendously..CFPB please step up and fix the account asap,

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 2019-02-01 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I found out XX/XX/XXXX that multiple accounts which belong to me from my creditor XXXX were not showing on my XXXX  or Equifax report. I reached out multiple times submitted all requested documents to both companies but they fail to put it back on my report. This has caused me to be declined by creditors due to missing information. I Spoke to XXXX who showed proof they were reporting accurately but Equifax and XXXX  refuses to update my file as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/2015 XXXX {$10000.00} Collection

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: NY

Complaint narrative:
Completed a 30 month lease with Audi Financial Services for a 2016 XXXX XXXX. 

Lease was fully paid, on-time and never late once through VW Credit ( XXXX XXXX ). 

A few days prior to the lease turn-in date, the car was impounded by the Police. 

I was unable to return the vehicle on-time and XXXX put a {$39000.00} hit on my Credit.

The vehicle was recovered by XXXX and they are in possession of the Car now. 

The pending court case got dismissed and XXXX ( VA ) County is liable for damages. 

After numerous calls with XXXX ( VW Credit ) and the Credit Bureaus this amount is still fraudulently being reported on my Credit report, dropping my FICO score by over 100 pts. 

The only charges I am responsible for are Mileage, Wear/Tear, and Deposition Fee. 

This compliant is to dispute this amount with the FTC as Fraud and Inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
In XX/XX/2017, I was seeking a personal installment loan to consolidate debt. My credit isn't the best, so I was anticipating higher interest rates. OneMain Financial informed me that my Annual Percentage Rate ( APR ) on my installment loan would be 35 %. I was told that I could repay this loan for up to 5 years at {$320.00} per month. The principal amount was {$8900.00}, so I was anticipating paying over {$3000.00} in interest annually on the principal balance of the loan. What I was not notified of is that 1. ) The 35 % interest is accrued MONTHLY on the capital amount and amortized daily. So that over {$220.00} of my {$320.00} payment would go strictly to interest, leaving my capital balance essentially unchanged. I was also NOT notified that, 2. )  My total repayment would be over {$18000.00} or 118 % of the principal amount. This was NOT my comprehension of the terms when I entered into the agreement. I feel misled and held hostage. I have made XXXX timely monthly payments of {$320.00} to date and I still owe over {$7000.00} on this loan. In order for me to pay off OneMain, I will have to pay around {$850.00} per month for the next 12 months after previously paying nearly {$8000.00} already. This is NOT 35 % APR. I believe this is a blatant violation of Truth in Lending as well as predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I had a collections account with Portfolio Recovery of {$1200.00}. I called them in XX/XX/XXXX and we came up with a settlement offer of {$850.00}. They said if I paid the {$850.00} by XX/XX/XXXX through their online portal, my collections with them would be settled in full. I tried to have them send me a letter stating this information and they said they would not that the conversation was on a recorded line and they would mark the debt as settled on my credit report once I paid. 

I paid the {$850.00} on XX/XX/XXXX and they still are showing that I owe {$430.00} on my credit report and the collections is still active. I have tried disputing it with XXXX and Portfolio Recovery closed the dispute with the reason being " Customer Disagrees ''. I called them and told them I need this to show settled on my credit report and they said they were going to change it and my account appears to be settled on their end. 

We are now in XX/XX/XXXX and this is still showing up as an active collection on my account. I need this collections removed from my credit report ASAP. This company has been lying to me for the past two months and basically made me pay the settlement amount we agreed upon, but are still reporting I owe them more when I do not. 

Please make them send you the recorded phone conversation so you can here them agree to the settlement of {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I have been working with XXXX XXXX  for over one ( 1 ) year to have them correctly calculate my number of qualifying payments I have made under my Public Service Loan Forgiveness. I keep being told that my account is under review and this has been repeated for over one ( 1 ) year now. I have two loans that are in consolidation under PSLF. On my online account of XXXX XXXX, it states that on the 1st Loan I have made 59 out of 61 qualifying payments and on the 2nd Loan I have made 44 out of 76 qualifying payments. These numbers are inaccurate. First, the qualifying payments are different on each loan. Second, I have documentation from XXXX XXXX  confirming my Employment Certification that I have provided to XXXX XXXX  over the years, and these numbers are different. Please see below : XX/XX/XXXX = 26 qualifying payments XXXX = 8 qualifying payments XXXX = 15 qualifying payments XXXX = 8 qualifying payments XXXX = 17 qualifying payments In total, this is 74 qualifying payments I have made under my PSLF plan. XXXX XXXX  has this documentation, so I am confused as to why it is taking them over one ( 1 ) year to calculate the correct payments. In XXXX of this year ( XXXX ), I will be providing my annual employment verification which will show another 12 months of qualifying payments under PSLF. 

My calculations show that as of XX/XX/XXXX, I should have 74 qualifying payments, which leaves a remainder of 46 qualifying payments. Again, XXXX XXXX has all of this documentation. I need my online account to accurately reflect the amount of qualifying payments I have made, because I am more than half way completed with the 120 qualifying payments required ; however, my account does not reflect this. 

I have tirelessly attempted to have XXXX XXXX update my account to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Santander bank has repeatedly placed extended holds on deposited checks when I've never deposited a bad check and I've been a customer for almost a year. I feel that this is a regular practice of theirs to hold customers funds longer than necessary in order to increase their earnings on interest.

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 2019-02-01 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL

Complaint narrative:
I went to a college in XXXX XXXX florida XXXX they closed bankrupted before I could finish I tried to transfer no one would take the credits stated that the loan was given to non credited teachers. Not sure but I know I did not get what I paid for. But in my credit report the loan is over and over it started XXXX XXXX then it moved to New York State now its sometibg else. The loan is from 1992. It has put more weight on me keeping me from getting loans jobs a home. Because its on my report over and over. It says on my credit report I took the loan out when I was 9 years old. It has I owe XXXX for a associates degree that I never was able to finish nor had enough knowledge to even get a entry level position. I paid XXXX XXXX  a year and a half and its just as bad as before but even worse now

Company response to consumer: Closed with explanation