vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Transunion had a computer glitch that caused all of the inquiries on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I contacted Transunion on XX/XX/XXXX and they would not remove the inquiries. I am requesting that the reinserted inquiries be permanently removed from my credit report. Here are the following inquiries that were deleted and reinserted : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 2017-08-17 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: NJ

Complaint narrative:
I have explained numerous times that this BK reporting on only Experian for the last 6 plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a 3rd party source because BK Courts do not give this information out because of consumer privacy laws. I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas. BK Status : Dismissed Date Filed/Reported : XXXX.XXXX/XXXX this shows on my credit report Reference number : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : {$0.00} Court : US BKPT CT TN 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 2017-08-17 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: IL

Complaint narrative:
There is a collection on my Equifax credit report that belongs to someone else with the same last name. The collection agency did acknowledge that this was not mine and they filed to have it removed. Equifax still shows it. I contacted Equifax and disputed this and their investigation came back that this belong to me even though I gave them a copy of the email from the collection agency acknowledging that it was not mine and that they were trying to remove it. Bottom line I 'm stuck between a collection agency that says they followed the process to have it removed and do n't know what else they can do, and Equifax that can only accept disputes and their investigation comes back wrong. I am frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
Please see attached -- LETTER TO CFPB PROBLEM : My escrow amount increased significantly in XXXX and again in XXXX which has caused my mortgage payment to increase {$150.00} a month. When the mortgage company ( Caliber ) was contacted, no one could get to the bottom of why it increased. They would say it was due to an increase in my homeowners insurance and/or county taxes. When I called to confirm both, the Homeowners Insurance Company and XXXX XXXX XXXX stated very minimal increases ( nothing over {$20.00} ), if any. Caliber was taking the annual amount out of my escrow to pay for my Homeowners association dues. They took the annual payment out in XXXX ( approximately {$800.00} ) and have yet to send the payment to XXXX ( the management company for my Homeowners association ) for payment. I also received a letter from Caliber Home Loans in XXXX, stating that they would no longer pay my homeowners association dues and then a letter in XXXX stating that Caliber sold my loan to a new mortgage company ( XXXX ). 1. The money that was taken out in XXXX is sitting in my escrow and they never sent the payment. This has caused me to accrue late fees with my HOA ( Homeowners Association ). To date, this payment has not been sent to the property management company for my HOA. 2. My escrow amount should not be this high and the increase not noted and given to me in detail in writing. The only correspondence I received was my mortgage coupon and a letter stating that there will be an increase in my mortgage due to my escrow account. My increase went from {$370.00} to {$470.00}, which is a {$97.00} increase multiply that by 12 months and that is {$1100.00} a year! 3. Since they will no longer pay my HOA fees, my escrow contribution should decrease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In XXXX 2015, the original debt of XXXX plus interest of XXXX = XXXX which was represented as the total indebtedness at that time. How did the debt rise to XXXX in 2+years ( an increase of ~56 % )? Debt numbers can not be referenced to any loan generation source ; they are not cross referenced to any other loan numbers. see attached documents to secure these points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Diversify Consultants Incorporated started to call in the beginning of XXXX XXXX to collect a debt from a cancelled XXXX account. I did not try to dodge them and I was giving them everything I could to bring the amount down. I could not afford it at the time so I gave what I could when I could. That was not enough because they reported my account to the credit bureau which placed a derogatory mark on my credit profile. During this time the amount began to change. I began with owing {$440.00} and then when they tried to call again they said I owed a little over {$500.00} and then again the amount change to around {$250.00}. Confused, they told me that I owed {$440.00} and I could settle for an affordable amount. I paid a payment of {$40.00} on XXXX XXXX, XXXX, and settled the rest once I was employed again for {$200.00} on XXXX XXXX, XXXX. I asked them for proof of the settlement and payment, they then put me through loop holes and told me it could take up to a week to receive a email. I never received said email, so I call DCI and they told me it was sent and they would resend it. My email shows no emails whatsoever received from DCI. I was needing this information so that the mark on my credit could display the correct status and my profile score could increase. They have yet to report it or give me proof the the settlement and payment. All representatives I speak with try to quickly get me off the phone or place me on hold for very long periods of time. I have to receive any information or see any change in the status on my credit. The money was taken from my account but I have no proof of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Hi there. First of all, thank you for this service.About four years ago, I opened a Chase account in XXXX, FL with my passport since I live in XXXX. I was and still am an XXXX XXXX  working in XXXX for several US companies, and it was in my best interest to have a US-based bank. In XX/XX/XXXX, I requested an early withdraw of my 401K plan from XXXX XXXX. This move was simply to help my younger brother who is XXXX from a rare XXXX called XXXX. (XXXX). On XX/XX/XXXX, XXXX sent me a check for $XXXX, which corresponded to the money I saved throughout the years, less taxes. I had to wire the money for my brother and on XX/XX/XXXX, all of sudden, Chase closed my bank account without any explanation.I supposed the wire transfers may have risen a flag, but this is my retirement money. This is my money and I transfer it however I want. Now it has been more than 3 weeks and Chase still is holding $XXXX, which I urgently need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: MO

Complaint narrative:
In XX/XX/XXXX I attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 2017-08-17 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: MO

Complaint narrative:
In XX/XX/XXXXI attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: MO

Complaint narrative:
In XX/XX/XXXX I attempted to modify my 2nd mortgage with XXXX. I was told by a XXXX employee that they could not help me unless I was delinquent on my mortgage and I was advised to stop paying my mortgage. After becoming delinquent for several months I again attempted to have my 2nd mortgage modified. The modification was not accepted after 2 test payments. This occurred in XX/XX/XXXX. After negotiations with XXXX stalled, I received the attached letter from XXXX stating that my mortgage will be forgiven. I also received the attached Full Deed of Release showing my mortgage was PAID IN FULL. XXXX is reporting my 2nd mortgage as a Charge Off which is incorrect and is adversely effecting my credit report and therefore my ability to refinance my existing mortgage on the home I purchased on XX/XX/XXXX. I sold the home which originally secured the 2nd mortgage on XX/XX/XXXX and purchased a new home.

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 2017-08-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged. After contacting the local county clerk 's office by mail on XX/XX/XXXX, inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.

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 2017-08-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In the beginning of XX/XX/XXXX, I had gotten denied for an apartment where I was required to pay XXXX XXXX for the application fee ( XXXX XXXX XXXX is who denied my application for rental ). Prior to this report pull, I was unaware of an eviction ( Case # : XXXX ) dating XX/XX/XXXX being listed on my credit report, which resulted in a XXXX XXXX loss in application fees and denial of the property. After directly disputing with the bureaus, I received no acknowledgement about the dispute when I got my results back from the bureau regarding the judgment, and all other disputed items remain unchanged.
After contacting the local county clerk 's office by mail on XX/XX/XXXX inquiring about the information they share with the credit bureau, they advised me that they do not report to them ; SSNs are not required for a court filing and are refused to handle that type of filing. The eviction was ultimately dismissed, and I owe no balance to the landlord. As such, I request to have this initial filing removed from all 3 reporting bureaus and to notify the public record agency, XXXX XXXX ( where my application for the property was denied ) to remove this derogatory information from all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
Short sale with Nationstar 1st and 2nd lien. 1st lien was set to be paid off in full and a short sale on the Nationstar second. Nationstar foreclosed on the property after giving the impression there was no foreclosure date and that they were in correspondence with the first lien. Extension to close on or before XX/XX/XXXX was issued on XX/XX/XXXX and Nationstar foreclosed on the property the same week on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Apelles, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX calls about a debt and never says what the debt is. This company harasses my family and friends and they need to stop calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I had a loan for a XXXX XXXX at XXXX XXXX I lost my job and fell behind. I got another job and they had already sold it to AD ASTRA RECOVERY. I paid them XXXX now Ad Astra refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I completed a wire transfer with XXXX XXXX on XX/XX/XXXX at approx. XXXX XXXX EST to Coinbase Inc via XXXX XXXX. The amount of the wire transfer was $XXXX. The information included in the wire transfer is as follows:As indicated by Coinbase Inc, wire transfers may be received the same day if completed by XXXX Pacific, otherwise they will be credited to the account on the next business day.The wire has not been credited to the account as of now, XX/XX/XXXX XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received by XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX. They verified that the wire transfer was received and stated that they sent the wire to Coinbase Inc. XXXX XXXX provided the wire reference number.Wire reference number: XXXXI emailed XXXX today XX/XX/XXXX with the information requested. I called the wire support phone number and was prompted to send an email to the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
this is the 2nd time I have tried to get Experian to correct their information! I filed chapter XXXX in XX/XX/XXXX and it was discharged XX/XX/XXXX I have previously provided a copy of the discharge to you in my previous complaint

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 2017-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Refer to complaint # XXXX This is a continuation of the complaint, which is still not resolved. While they are no longer calling me 8 times per day, they are still calling from collections. I began asking for the XXXX XXXX form for my private student loan with Navient in XX/XX/XXXX. To date, I have received no such form, despite requesting it twice and being told that it had been requested and sent. Today, I was FINALLY given a number to their XXXX department, where the advocate said it had never been sent. In the meantime, my credit score has plummeted from XXXX to XXXX soley due to their reporting of my delinquency. This collection and reporting should have stopped when they sent out the form, which they did not. The advocate said today that she would fax the form tomorrow to my financial counselor, and that this would all be cleaned up once the form was approved. However, I have reason to believe that this might not happen, since they have not been forthcoming with me. This has caused a lot of frustration over the past months. I 've been lied to and sent in circles, being transferred from one wrong department to the next. This phone number should have been given to me back in XX/XX/XXXX at my first inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have used a Sears charge card for many years. I have always received a paper statement and always paid my bill on time. In XXXX 2016 i used my Sears card for a purchase that I did not receive a paper statement for. After tracking this down, I found out that Sears was now sending my bills through email. I had never authorized this. In fact I would never authorize this! Not only do email accounts " go down '' or get hacked but sometimes computer viruses themselves will kill email accounts. As result, I rely on paper statements for all my charge cards. After phone calls to Sears and on line chats with Sears representatives, I am now once again receiving paper  statements. However, after paying for the purchased item, i continue getting bills for the accrued late fees and interest charges. I have made a concerted effort to resolve this but to no avail. My most recent " new balance '' due XX/XX/XXXX is for {$270.00}, ALL interest fees and late fees! This was Sears at fault. They should never have changed my account information without my consent.

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 monetary relief
Consumer complaint received 2017-08-17 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: Net Pay Advance, Inc.
State: CA

Complaint narrative:
this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!

Company response to consumer: Closed with non-monetary relief