vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XXXX XXXX an electronic payment was made to XXXX XXXX XXXX in the amount of {$930.00}. XXXX XXXX XXXX is one of the biggest banks that perform transactions on the weekends ( based on my experience ). I 've never experienced anything like this before. Apparently the Federal reserve does n't conduct business on the weekend which I did not know therefore not completing my traction until Monday? See attached documents from XXXX XXXX XXXX verifying when the payment was submitted/remitted and was submitted to XXXX XXXX XXXX asking to correct the reporting type. I have never been late with a mortgage payment. I need this removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since XXXX I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

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 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I am still having a problem with the servicer of my mortgage loan, Select Portfolio Servicing. I filed  a complaint against them a couple of months ago because they were not working with me and refused to conduct a review of my current financial circumstances to determine if my family qualified for modification help. After I filed the complaint they conducted a review, but they recently sent a letter saying we did not fill out one form, the XXXX properly so the review is cancelled and we are denied and now we are going to sell your house. They have set a sale date for XXXX XXXX. We have appealed the denial and dont understand why the failure to complete one form properly means we are kicked out of review and told we have to start over. It is unconscionable and it is an example of how SPS treats their customers and their unethical foreclosure practices.
This is a predatory high interest ( 8.6 % ) adjustable rate loan. I have been trying to negotiate a modification or restructured loan for quite some t
ime and thought that SPS was finally going to work with us until we received this letter. We are back on our feet ; my fiance lives with me and is working and my son who lives with us is also gainfully employed. We submitted all of our paperwork several months ago with the expectation that there would be a review of our financial information. But nothing happened until we filed complaints and got our Congressman involved. SPS acted like this was a priority and then sent us a letter that our application had been denied because we did not properly complete the XXXX form. I sent in a written appeal and the form but they have not reactivated our review and have set a foreclosure sale date for XXXX XXXX. This is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XXXX_XXXX-XXXX I made an attempt to Register and Create an online account with my American Express credit Card. the system asked for my mother 's date of birth. Needless to say I do not know it because we are trained not to carry or use someone else 's " Person Identifiable Information '' ( PII ). I contacted American express on XXXX-XXXX-XXXX by Express Mail with a copy of my certificate of completion on " Security of Personal Identifiable Information '' ( PII ) and asked if I can have that portion changed ( Security ), because I do not know my mother 's birthdate. also, I asked that I be contacted in writing and not by telephone, ( I had telephone technique training ). I was still contacted by telephone. A XXXX or XXXX XXXX XXXX asked to give her a call from voice mail message, XXXX extension XXXX. I called her and she stated that all I have to do is give the month and day of her birth and I told her it is still my mother Identifiable Information regardless, because month and day ID her and not me. XXXX or XXXX XXXX was very adamant that this will not be PII violation. My complaint? To make you all aware that we will never get credit card fraud under control and Cyber Security corrected until these people in corporate places learn to cooperate with government and revise their settings and profiles. I quit looking for Justice with these complaints ; there are no resolve to my personal issues. I WILL NOT REGISTER MY CREDIT CARD ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: ND

Complaint narrative:
Since the massive Equifax data breach, information is showing on my XXXX XXXX, Equifax and XXXX credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX, $XXXX, XX/XX/XXXX, Equifax XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, $XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
We refinanced with freedom mortgage XXXX 2017 due to being behind on our taxes by 2 quarters.  After signing all of the closing papers with all of the correct information,  6 months go by and they send us a mortgage statement with an increased payment by $XXXX. Which was $XXXX to $XXXX. And they also increased our escrow payment by $XXXX. Which was $XXXX to $XXXX. Our tax office said that freedom mortgage never did a proper tax search. I have every document possible to back my side that I will be faxing.

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 2017-09-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I continue to receive inquiries on my credit file from chase bank. I have already reached out to chase to inform that this is fraudulent. I have an extended fraud report under all three credit bureaus that I have a fraud alert ... but yet chase continues to NOT CONTACT ME prior to extending credit knowing this is fraudulent. Every time I contact their so called fraud department, customer service claims to take care of it. I have yet to have any inquiries deleted from chase let along, more inquiries as of today X/XX/17 happening again..why is chase continuously letting someone apply for credit under my social without contacting me? This is ruining my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28 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: Monterey Financial Services LLC
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX: Called for XXXX XXXX (?) for debt collection. Called back and told them I don't know the person.XX/XX/XXXX XXXX XXXX: Called for same person.XX/XX/XXXX XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX XXXX: I called but closed.XX/XX/XXXX XXXX: Called for same person. Ext XXXXXX/XX/XXXX XXXX. Called for same person.XX/XX/XXXX XXXX XXXX: I called and again stated this was my phone. They asked if I know where XXXX was. I again stated no and don't call anymore.XX/XX/XXXX XXXX: Called for XXXX again. Call from Ext XXXXXX/XX/XXXX: XXXX I returned the call again and intitially spoke to XXXX. Asked if the were taping the conversation and they said yes and I asked if I had their permission to also tape. Told him I contacted them onXX/XX/XXXX and got hung up on twice before somebody would listen that they have the wrong number and called again onXX/XX/XXXX and said the same thing and that said they would not call anymore. Was put on hold for approx. 15 min before he came back on the line and transferred me to XXXX how looked up the extension and said it was a mistaken call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 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: ND

Complaint narrative:
Since the massive XXXX data breach, information is showing on my Trans Union, XXXX and XXXX  credit report that don't belong to me. The following account, collection account and hard inquiries are fraudulent and unauthorized: XXXX/XXXX, $XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXy, $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 2017-09-28 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: CA

Complaint narrative:
I wrote a letter to this company dated XX/XX/XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX  XXXX date XX/XX/XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc.) that will prove the validity of this account. This company cannot even tell me when was the date of service which on their letter shows "XX/XX/XXXX". Their response is unacceptable and unlawful, so is this credit repository's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX letter, copies of the letters sent to this credit repository and to medicredit.

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 2017-09-28 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: TX

Complaint narrative:
In the years XXXX there were four cases in which I attempted to file for bankruptcy. The cases were all dismissed. I was having trouble with my husband and property we had together in which it financially draining to me. During that time we attempted to file, but never had the proper paperwork to get it started. It never went to court, a case was never filed. Nothing. Since 2015 I have attempted to write XXXX and have them investigate and have this deleted off my records. After reading the FCRA I found that they were in violation, because they were reporting something inaccurately. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they had no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they were obligated to delete this information from my credit report and send me an updated copy when this action is completed. 

I wrote them and made them aware of this information and they blatantly ignored my request. I even provided them documentation that the bankruptcies were dismissed. Again, nothing. They were kind enough to send me a new copy of my report that stated that they would be keeping the bankruptcies on my report. 

I am filing a complaint because they are going against my rights as a consumer.

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 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
Fay Services purchase my  home loan from XXXX XXXX.They have not send me statement in two months.  They stated it was problem with their systemThe main problem is they are holding my money until they get the full monthly payment.They are changing my loan agreement.    Without written permission.  They knew how my money was applied before they purchase.  I made a payment on the XX/XX/XXXX and XX/XX/XXXX and they held my money until XX/XX/XXXX.  They are probably get some interest from some bank for that period. .  They are charging me money on interest for they are not applied my money when it come in.I have statement from the for several years,   showing when I made  half payment it applied,  They can not change my contact without my consent.    They are just making more money for them self.   When I called them stated,  they have the right to hold my money,  where does anybody have the right to hold money  when been send.  I not know of any company banks or anybody else does this.  They should have their license taken away from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I qualified for a deferment for my XXXX 2017 payment for my auto loan with Wells fargo dealer services. The deferrement forms were sent via email. However, the attachment with the file would not open. I called back and asked for the forms to be mailed to my address. They never arrived.However, I did recieve a statement on XX/XX/XXXX. I was hoping that these were the forms I had asked for. I immediatley called Wells Fargo to ask where my deferment forms were. I was told that it was now 46 days since my payment, and the deferment was only good up to 45 days.This is unacceptable, I have done my due diligence to aqcuire the forms necessary to process this simple procedure. Wells Fargo, has made it impossible to meet the requirements that they have set 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 2017-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
ON XX/XX/XXXX  I closed a Jeweler Rewards Card processed through Comenity Bank.  Today (XX/XX/XXXX) I received a statement with $XXXX in charges from XX/XX/XXXX.  The charges were taken care of by XX/XX/XXXXXX/XX/XXXX.  I then called Comenity Bank and asked them why my account was open.  They told me it was closed.  I then asked how charges could be processed to a closed account.  The customer service representative said I would need to speak to a supervisor.  After 10 minutes the CS representative came back and said he could waive the charges.  I told him that was not the issue, the issue is that the account should be closed and there is a problem somewhere if charges were allowed to go through.  He said he understood but he didn't know how to take care of that.  I then asked to speak to the supervisor to whom I was going to previously be transferred.  Instead of transferring me, he put me back to the automated system listing account details, etc.  I need to know this account is permanently closed and these charges will never occur again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastpoint Recovery Group, Inc
State: GA

Complaint narrative:
I had a XXXX XXXX Credit card and it was through XXXX I tried to make payment arrangements but I got sick and was out of work for over a year I would pay $XXXX a month then finally they closed my account after they knew what was going on. Well I had been getting a call from this number XXXX on my number and my finance number. I finally checked my voicemails and they have left some very disrespectful voicemails on both of our phones and my fiance is not even on the account and its very threatening and I know that's against to law to leave personal information on a cell phone saying what they are calling about. Thats against the tcpa and I will not be speaking with them after the voicemails were very disrespectful and we have them saved. The debt collection company is XXXX XXXX  and it's a lady on the voicemail saying I don't know why you are not calling us back I guess you do not care and that I"m in breach of contract, now I'm not a lawyer but I do know consumer laws and they should have not left that on my voicemail or my fiance phone at all. The lady name is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent notification that the mortgage home loan servicer would be changing to XXXX XXXX XXXX  and would take effect on XX/XX/XXXX. Nationstar confirmed the transfer and sent out a welcome correspondence on XX/XX/XXXX. Both taxes and insurance are escrowed in the mortgage payment. Both XXXX  and Nationstar assured that the payments would remain the same and that the terms of the loan would remain unaffected.On XX/XX/XXXX XXXX  (the provider of homeowners insurance to the property) sent XXXX a request for payment. The policy was set for renewal by XX/XX/XXXX. XXXX transferred the mortgage to Nationstar on XX/XX/XXXX without payment being made to XXXX. XXXX  request for payment was sent only to the mortgagee and not the mortgagor as the account had been noted since the XX/XX/XXXX's. On XX/XX/XXXXthe  XXXX insurance policy was terminated for nonpayment.Surprisingly, when the XXXX insurance policy canceled, XXXX was still listed as the Mortgagee. Nationstar  not only failed to change the mortgage clause during the transfer, but they were also unaware that the insurance policy had canceled, still currently show XXXX as the insurance provider, and continue to escrow based on the previous policy premium.Moreover during the lapse of coverage, a claim for substantial water damage on the property needed to be filed. Nationstar has force placed insurance that will not adequately cover the damage and repair to the structure of the property. There is also no coverage granted for any personal property loss. The XXXX policy would have more than easily covered our losses had Nationstar not been negligent to pay the renewal of the policy as required in maintaining terms of the original loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to tell me whether my SS # was stolen through them

Company response to consumer: Closed with explanation