vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-18 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Address is incorrect on my credit report. I have never lived on XXXX XXXX XXXX in XXXX XXXX or had any services, credit cards, or bank accounts linked to address but it appears on my report I disputed this inaccuracy multiple times with the credit bureau and they said they were going to investigate but never notified me with the results or actually investigated the matter.

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 2017-11-18 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: FL

Complaint narrative:
I have sent 3 certified letters to equifax, XXXX, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. Equifax, XXXX, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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:
I have sent 3 certified letters to XXXX, experian, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, experian, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.

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 2017-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NC

Complaint narrative:
On XXXX XXXX,2017 a payment of {$240.00} was made on my student loans. The payment was made to AES success but was never applied to my account. I called and was told the incorrect account number was listed and that prevented the payment from being posted to my account. However when reviewing the payment details the correct account number is included on the payment. The representative I spoke with located the payment and said I could send proof of payment and they could apply it to my account. I sent in the documentation request but the payment was never applied to the account. I called back in and spoke with a representative who said the payment was returned on XXXX XXXX. However, prior to calling in, I received an email stating they were processing the information and would update my account on XXXX XXXX. I requested to speak with a supervisor and was connected to a lead representative who stated the payment was returned on XXXX XXXX. I then asked for a supervisor and was connected to a supervisor named XXXX who informed me that she could not verify the payment was returned and she would investigate and call me back. She called later that evening stating she was still investigating and would call back the following day. I did not hear back from her so I called back and was told no supervisor was available and I could leave a message and someone would call me back within 48 hours. I received no call back and I called several days and was given the same response. On XXXX XXXX I called in again and was told they needed an ACH tracing number to locate the payment and apply it to my account. I spoke with XXXX again and was told I would receive a follow up call to confirm receipt of the tracing number. The bank called to provide the payment information and the following day I called back in and was told by XXXX a supervisor that they never received the information from the bank. However I received confirmation from the bank that the information was provided. As of XXXX XXXX the payment has not been returned and my credit has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: DC

Complaint narrative:
I have repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

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 2017-11-18 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: DC

Complaint narrative:
I have repeatedly reported to all three credit bureaus that I have never lived XXXX MD and I have never opened a PO box or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18 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: DC

Complaint narrative:
I have repeatedly reported to all three credit bureaus that I have never lived XXXX XXXX and I have never opened a XXXX XXXX or had the reason to. I have lived at the same address for years. This inaccuracy has affected my ability to open a new line of credit because it 's being used as identifying information.

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 2017-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA

Complaint narrative:
A Consent Order Granting Motion To XXXX XXXX for our loan was issued XXXX XXXX, XXXX. As of this date, One Main has not filed a Satisfaction of Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My foreclosure began in XX/XX/XXXX when my servicer was XXXX XXXX XXXX ( an arm of XXXX XXXX ). They mishandled paperwork through FOUR failed modification attempts. During the second of these attempts, they filed a lis pendens with the court. They claim my husband was served. He and I are both on the mortgage. I was never served. Neither was he. But because they have an Affidavit of Service, the judge has continued to side with the bank. And because I was unaware of the action, I never responded. A few months later, during my THIRD ATTEMPT AT A MODIFICATION, there was a settlement conference scheduled. I did n't know what it was about because I was unaware of the foreclosure, so I called XXXX and asked them what I should do. They told me to disregard the notice. So now the courts see me as someone who does n't care about my home. But I do!!! 

In XX/XX/XXXX of this year I submitted a short payoff offer of $ XXXX to the bank. They rejected it. On XX/XX/XXXX I  submitted a modification application to them. They denied it. They said that because I 'm over 100 payments behind they ca n't help me, and that the only way I can save my home is by making the mortgage current ... to the tune of $ XXXX. They wo n't eradicate the interest and let me start from scratch. They can put those payments on the back end, let me pay back taxes and insurance, and let me start again. But they wo n't. 

They would rather put a mother on the street with her children than work with me. It 's disgraceful. I have contacted all of my elected officials as well as news outlets and the Attorney General about this. Now I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank charged me a XXXX XXXX dollar overdraft fee over pending transactions. Transactions that were not completed yet. They said I was not eligible for a refund. I am not working and need every penny

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
We are trying to close on a mortgage, but Chase JPMorgan Bank ( Hereinafter Chase ) has a  judgment against us, that is inhibiting us from closing. We were not aware of the judgement until the title insurance was complete. We found out about the Judgement on XXXX XXXX, XXXX. We had a deadline of XXXX XXXX for closing on our loan, but have been unable to get any help from Chase or their attorneys regarding payoff and lien release. We have been asking for a payoff and lien release since XXXX XXXX, XXXX and have been getting the run around for almost a month. On the XXXX of XXXX XXXX we stated our request with XXXX XXXX ( Hereinafter XXXX XXXX the attorney who was representing Chase and who recorded the Judgment. His phone number is XXXX. We have supporting documents that we will attach to this complaint showing that XXXX was the attorney representing Chase. After talking with XXXX we were informed that he no longer represented Chase and that the firm he was working at when he was representing Chase is no longer in business. XXXX gave us a number of another Utah firm that he had forwarded the case files to, we contacted them by Phone and by email. This firm, that now has the case files and is now representing Chase is XXXX XXXX. I spoke with XXXX XXXX XXXX ( XXXX ) and he passed us on to a XXXX XXXX a XXXX attorney in the firm. His number is XXXX After a week or so of us emailing and calling him everyday, we were told by XXXX in an email that Chase had told him to not help us and that we needed to contact them directly. We spent the next week on the phone for numerous hours on hold, and was passed to this department to the next department, Just more run around. Here is a list of all the emails that I was ask to correspond with XXXXXXXXXXXX, XXXXXXXXXXXX XXXXXXXXXXXX, XXXXXXXXXXXX We even had a XXXX way with Chase that involved our mortgage broker XXXX XXXX her number is XXXX you will see she is attached to the inquiries about getting a lien release and payoff amount as well. We are at risk of loosing the Home now because Chase is un-willing to help us, we are trying to pay them money and they could care less.. We really need someone to intervene before the seller pulls the plug on our purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Never notified of loan changes payments were not the processed right never gave copy of loan or payment receipts they put me in repay agreement doubled my payoff and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I notified all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) concerning invalidated information that was reported on or about XX/XX/XXXX with XXXX - XXXX XXXX XXXX XXXX  and that I owed two medical seperate collections ( {$2100.00} & {$4000.00} ) that had been paid to the original creditors on or about XX/XX/XXXX ( See attached letter from Attorney XXXX XXXX. 

On or about XX/XX/XXXX, I responded to XXXX - XXXX XXXX XXXX XXXX by letter stating that the said collection of the two medical debits have been paid and requested that their claim was disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ). I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

Instead they responded back providing a verification or proof of my mailing address, but not as I requested for VALIDATION of the said two separate debts and has continued to update the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) every month or two that they have had contact with me and keeping the date current. Informing inaccurate or invalidated information to the credit-reporting agencies is not correct and derogatory, has continued to this date, has negatively impacted my credit report. 

I have submitted three different letters to all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) stating that the debit is not validate and should have never been on my credit report. To date all three major credit bureaus ( Equifax, XXXX, XXXX XXXX ) have not updated nor removed the inaccurate and invalidated information on my credit report but they have updated XXXX - XXXX XXXX XXXX XXXX reports and negatively affected my credit continuously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: MO

Complaint narrative:
After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of XXXX FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2.  XXXX XXXX-several late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
After looking over my report and complaining of late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I enacted my rights to COMPEL the credit bureau as REQUIRED, to MANDATE the alleged data providers of notated UNPROVEN derogatory suggestions of late payments and requested that they surrender to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore I even requested that the accusing data provider to present their most upgraded Terms of Service Agreement that outlines payment reconciliation. As I am positive that the bureau was aware as a injured consumer unjustly mind You that I am lawfully within my consumer right to ask for any and all of the above demands under the terms of the FairCredit Billing Act of 1975 FCBA. AS the official notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is eithet or all of the following. So They were informed by me that they must ANNUL by REMOVAL of any DEROGATORY and or adverse and yet UNPROVEN claims be it an account or an aspect of that account and delete the foul misreporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else for the following : 1. XXXX XXXX several late pmts 2. XXXX XXXX-several late payments

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 2017-11-18 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: MA

Complaint narrative:
This is about hard inquiries on my credit report. I do n't recognize any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency MIDWEST RECOVERY SYSTEM LLC XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the XXXX grace to acknowledge or dispute the debt.
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the call with them, dated XXXX XXXX specifying I have XXXX to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and XXXX response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
In the early Part of XXXX 2017 I attempted to contact receivable recovery to clear up my accounts with them 1 by 1 at which time I was told by the representative but I spoke to that I could not clear up one account that I would have to pay all accounts at 1 time before they would clear any account. If I 'm not mistaken by law I am able to say which account that I want my funds to be applied to. My call to the company was recorded and I do have the recording on my phone if needed at a later date to prove what I was told by the company representative. I feel that I was bullied by this Representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
I 've contacted Navient and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. Navient has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my Navient accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due ( XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXXX 2014 be removed and set to current. As soon as I contacted Navient they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting practices.

Company response to consumer: Closed with explanation