vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was charge for services I didnt agree to. My lady modification on XXXX was a higher percentage rate than my prior mortage Also I was not given equal opportunity in XXXX and felt the bank discriminated to due my XXXX allow me to utilize programs to assist with my mortage modification causing me to owe significantly a higher amount than what purchased house for. 

They also took 2 years to approve my mortgage. 
I try to recently address this matter I was denied on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
This XXXX mtg co is the worst. 
They bought my mtg. in XX/XX/2019. When I went through refi they found out that previous mtg co did NOT pay last quarter taxes. Now after 2 mos. of getting everything in order they tell me I MUST pay the taxes again in order to close on refi. I pay my taxes every month. Plus,  I was told that we were closing on the XXXX and now I do not have XXXX XXXX payment. 

This is XXXX  XXXX!! The old mtg co said they would pay the taxes & penalties. BUT, XXXX Off Roundpoint paid bot quarters and penalties. 

Now in order to close on my refi they want me to pay the taxes again ar closing and then wait for the refund from county which will take months, per county. 

I paid my taxes!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I have no negative information list on XXXX according to a report sent by them. However, they are providing negative information to Banks and Credit Unions that is affecting me being able to open and account. They refuse to respond to my inquires and demands to fix this.

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 2019-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
XX/XX/2016 I received a letter from Ditech stating my mortgage payment has not been received, thankfully for me I keep very good records and at the time I was paying via money order because I was not going to pay their ridiculous fee of {$12.00} to pay online. I called Ditech and let them know I paid my mortgage and I don't understand what the problem is. They told me I had to go to the business where I purchased the money and get proof which cost me {$24.00} on top of the late fee they were trying to charge me. After so many phone calls and broken promises from the incompetent people that work at Ditech I was able to get the situation taken care of weeks or months later. Come to find out they applied my payment to someone else 's account. The next thing that really broke the camels back was when I received a notice in the mail XX/XX/2016 from Ditech stating they paid my taxes which are not escrowed, we pay out of pocket every year. I called them and told them to take their money off so I could pay my taxes, they refused stating I was delinquent on my taxes. In my County our taxes are not due until XX/XX/XXXX so again Ditech was messing with my account information once again, they stated they inadvertently entered our account and paid our taxes when it should have been another members account. I was promised a letter of resolution and a call to our county treasurer to reverse the payment off so I could pay my taxes. After all this time we are now being sued for the tax payment and being threatened by the collection agency working with these losers. Please do not do business with this incompetent company. Customer service has no clue what is going on and they are extremely rude. Needless to say after the tax incident I went with a credit union in my hometown and have not had one single problem with them. 
One other note : this company has already file bankruptcy twice that I am aware of. 
BUYERS BEWARE-THEY ARE SCAM ARTISTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have written and called to address these fraudulent accounts on my credit report with no resolution. I also have submitted information for these accounts to be removed The following accounts are listed incorrectly on my report XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXXl XXXX, XXXX, XXXXXXXXk/XXXX, XXXXXXXX XXXX  XXXX, XXXX  XXXXXXXX. I also have the following inquires XXXX XXXXXXXX XXXX, XXXX XXXX/XXXX,  XXXX/XXXX, & 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 non-monetary relief
Consumer complaint received 2019-06-24 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I requested a car loan. I received a letter from XXXX XXXX   stating our XXXX XXXX credit score was XXXX. 
My credit score from Sagestream LLC was XXXX. 
How can they possible have such a lower score than the other three reporting credit bureau 's? 
I do not think this was fair and I think they have a lot of errors. 
This is not a reputable credit reporting agency and I do not feel they should have consumers private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient has given misinformation about my loan, they send several emails a day all with misinformation. Navient calls and emails me several times a day although I have provided proof I am enrolled full time in school until XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been requesting a chargeback to the merchant of a fraudulent transaction since XX/XX/XXXX from paypal credit and they refuse. I made good faith tries to resolve and return merchandise with the merchant. They ignored me and then refused to send a prepaid return address label. They advertised that their vacuums worked on any surface, specifically carpet. The vacuums I was send do not move. It was a fraudulent transaction. What they sold me and what they sent me are two very different things. I then called PayPal credit and refused to pay the fraudulent charge as is my right with a credit card charge over {$50.00} perThe Fair Credit Billing Act was passed in 1975 as an amendment to the Truth in Lending Act section 170 105.33C. Paypal has, in violation of that law refused to chargeback the charge to the merchant. I have now filed a complaint with FTC.gov. I want the transaction chargedback to the merchant immediately. If the merchant then wishes to sue me then they are more than welcome, or they can provide a prepaid return address label. I am not going to pay to send it back to XXXX which would cost more than {$50.00}! Its a scam. It has been going on sinceXX/XX/2019

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 2019-06-24 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: CA

Complaint narrative:
I have a public record on TRANS UNION which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the US Bankruptcy Court. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and 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 2019-06-24 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: OH

Complaint narrative:
The Items below, belong to someone else not me. These items are stopping me from buying a home XXXX # XXXX for the amount {$990.00} XXXX # XXXX for the amount {$970.00} XXXX # XXXX for the amount {$900.00} XXXX # XXXX for the amount {$690.00} XXXX # XXXX for the amount {$650.00} XXXX # XXXX for the amount XXXX XXXX XXXX XXXX XXXX # XXXX for the amount {$440.00} XXXX XXXX XXXX # XXXX for the amount {$320.00} XXXX # XXXX for the amount {$220.00} XXXX # XXXX for the amount of {$190.00} XXXX XXXX # XXXX for the amount of {$160.00} XXXX # XXXX FOR THE AMOUNT OF {$120.00} XXXX # XXXX FOR THE AMOUNT {$120.00} XXXX # XXXX FOR THE AMOUNT {$100.00} XXXX # XXXX FOR THE AMOUNT {$84.00} XXXX # XXXX FOR THE AMOUNT {$62.00} DEPT OF ED XXXX XXXX # XXXX FOR THE AMOUNT {$6300.00} XXXX XXXX XXXX XXXX XXXX # XXXX THE AMOUNT IS {$0.00} us dept of ed/XXXX # XXXX for the amount {$3700.00} us dept of ed/XXXX # XXXX for the amount {$2200.00}

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 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
XXXX Hospital received payment from XXXX XXXX XXXX. I then paid my co-payment directly to XXXX Hospital. The debt collection firm that XXXX Hospital hired, CMRE Financial Services , Inc,. continues to try to collect, even though nothing is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NH

Complaint narrative:
I was a tenant for XXXX XXXX XXXX in 2015. I received notification that a balance of {$210.00} is owed to ProCollect Incorporated along with an additional {$7.00}. There was no notification of balance prior to collection. Additional information was requested to ProCollect Incorporated with no notice.

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 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Paid $ XXXX/month for four months with no type of assistance. Claimed to be able to fix even just some of the issues on my credit report. In four months they only took one complaint off and it was a bill that had already been paid off. After I cancelled their services I filed complaints with the credit bureaus on my own and resolved over half the issues that needed fixing in less than a month 's time at no expense.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I would like to add to an existing complaint. Complaint No. # : XXXX. NCB XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to NCB XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX : Why does a Collection inquiry for {$1400.00} XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) appear on my credit report? I personally havent been to the hospital since XX/XX/XXXX the only time due to a car accident and my insurance pay for my bill. I believe that those bills were unlawful. I contacted the office of the Florida attorney general and I request that you send me the information that you collect on the time of service, copy of my social security and dated with my driver license and any other information that pertain for this account. 
Aren't you aware that you must enforce the permissible purpose? 
Provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Sincerely, 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 2019-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover didn't fully address my complaint in CFPB case # XXXX. The CFPB told me to file another dispute. 

1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 

2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through training. 

3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. 

If Discover doesn't address all XXXX of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all XXXX issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: GA

Complaint narrative:
I have mailed several certified letter disputes requesting Trans union and XXXX XXXX to verify USBK court # XXXX. Each time there response VERIFiED as accurate. I asked for documents and signatures of the original creditors on file that this information is mine and correct. They never provided the information and i advised them to delete the inaccurate 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 2019-06-24 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: ID Analytics, Inc.
State: IL

Complaint narrative:
I went to purchase a vehicle and needed a car loan. I received a letter from XXXX XXXX   after I purchased my vehicle. They informed me by letter that they turned me down because of my credit report from SageStream LLC giving me a score of XXXX. 
They also informed me that my score from XXXX was XXXX. Much higher than SageStream. My complaint is not with XXXX taking Sage Stream over XXXX  my complaint is they are taking a consumers information acting as they are a reputable credit reporting agency. When I called to talk to them about it all you get is a recording to go to their website. I am concerned that a non reputable company is allowed to have a consumers private information and are falsely misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have sent several requests to Diversified Consultants asking they provide a written and signed contract between me, XXXX XXXX, and Diversified Consultants regarding a repayment plan. I have not received a response from this company. I sent these requests on XXXX/2019/ XXXX/2019 and XX/XX//2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit report is saying Im deceased which I am not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: CA

Complaint narrative:
I have a public record on XXXX XXXX which shows a public record. It does NOT describe the record, except it shows the institution who filed the record is the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. It is recorded at {$0.00} and dated XX/XX/2010. I wish to have removed based on time and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: TN

Complaint narrative:
I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in regards to me being a victim of identity theft. I was first given the run around about my documents then was told you call in 7 dats to have this items removed immediately. I contacted Equifax on XX/XX/XXXX to confirm receipt and get issue resolved but the rep told me it would take 30 days. I initially filed the dispute on XX/XX/XXXX and uploaded my docs on XX/XX/XXXX. The rep stated the system open another dispute so now I have to wait until XX/XX/XXXX for the dispute to be resolved. This is ridiculous! I sent in my documents and provided my confirmation # XXXX which was my first and only dispute. Equifax needs to honor my original dispute and not try to push my dispute back another 30 days due to system error. The rep XXXX stayed she sees the documents but can not add them to the initial dispute even though she sees I added the correct confirmation #. This issue needs to be resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-24 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: CA

Complaint narrative:
FOR MONTHS HAVE BEEN TRYING TO REMOVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX KEEPS TELLING ME THAT THYE HAVE SUBMITTED MY DISPUTE TO XXXX  XXXX XXXX AND TO XXXX XXXX  LINE OF CREDIT. TODAY I SPOKE WITH A MANAGER AT EQUIFAX AND SHE INFORMED ME THAT THEY DISPUTE HAS NEVER BEEN SUBMITTED TO XXXX  XXXX XXXX AND TO XXXX XXXX LINE OF CREDIT. 

I AM NOT REALLY SURE WHAT ELSE TO DO, AND NOT REALLY SURE TO WHOMI SHOULD CONTACT SO I CAN FINALLY HAVE THE 2 FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have reported 5 times that the accounts from Barclays Bank Delaware, XXXX XXXX/XXXX   AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX   XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.

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