vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: IL

Complaint narrative:
Experian is reporting incorrectly a late payment in XX/XX/2019 on the XX/XX/XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned this vehicle ( 2 ) weeks after it was purchased. A full refund was given and therefore there was no outstanding debt to report and therefore no late payments to report. This incorrect reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.

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 2019-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
We are closing on our home and were well aware our escrow would be paying our school taxes around the same time of closing. So i proactively called my mortgager Rushmore loan management on XX/XX/19 inquiring if my escrow payment could be held in order to close on my home in a timely manner. I was told by rushmore that they could not hold my school tax payment, i was told that they had not received my tax bill at that time either. I called back on XX/XX/19 inquiring what can be done as the funds have been withdrawn from my escrow account and was told they will not be sent until the following week of XX/XX/19 and there is nothing they can do. We are now scheduled to closed the week of XX/XX/19 and this is preventing me from clsoing. My attorney needs documentation that the taxes have been paid in order to close and Rushmore now indicates they made a mistake and that the funds could have and should have been held as i requested on XX/XX/19. My closing is now being held up due to their error and my sale could potentially be lost due to their mistakes. I need this fixed, they need to be taught to properly manage my loan. If i lose the sale of my home due to this i will be requesting the full sale contract price from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
More than 2 years ago went ahead and bought a {$900.00} dog from a local shop. They had me sign up for a {$4000.00} XXXX loan for the dog. Due to financial hardship and having XXXX children I missed two payments. My account was sent to collections. I had a lack on understanding of credit and collections. The collectors called at odd hours and dozens of times per day. Leaving voicemails saying it will affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax, XXXX and XXXX all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
To : SELECT PORTFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re. : SPS account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX NOTICE OF VERIFICATION DEBT I am writing this letter in response of Select Portfolio Servicing Inc,  assertion on your proof of claim /letter dated XX/XX/2019 that you hold or a third party is the owner of the account and Mortgage of property XXXX XXXX   XXXX XXXX XXXX XXXX Fl XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you has been falsely claiming. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify the original creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed/ complete history payment from all Debt collectors used in the past 10 years 6. Commission for debt collector if collection efforts are successful.

7. Default date of Mortgage 8. Proof that the Statute of Limitations has not expired 9. Any Judgments obtained by any creditor regarding this loan 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE REMOVE INACCURATE UNAUTHORIZED INQUIRIES THAT IS REPORTING ON MY CREDIT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: Nelnet, Inc.
State: NY

Complaint narrative:
The remaining balance on my student loans ( roughly XXXX in XXXX ) was XXXX in XXXX due to permanent XXXX. The Social Security Department indicated in the initial paperwork that my case was not subject to any three year reviews. 

That and other documents were submitted to NELNET/DEPT of ED in the initial application and have been resubmitted to them along with other documents several times since XX/XX/XXXX when I first learned that they and XXXX XXXX were reporting over six months of delinquency to the three bureaus. 

None of the agencies had ever sent me notice of any alleged debt. Nor had any of them ever sent any notice of required payment. When I questioned supervisors about this fact they claimed they didn't have any of my contact information. My contact information has been the same since XXXX when I was granted full discharge due to the severity of my XXXX. I have loads of old emails, mailed documents to prove that they did have all of my contact information. There is also no excuse for their failure to look at my credit report and/or public records to find my contact information if indeed they had any confusion. 

The XXXX staff at the Dept of Education told me it was clear that I had a XXXX   balance in XX/XX/XXXX. The agent advised me to resubmit a XXXX discharge application because of the bureaucracy involved in making corrections and my emergency situation which all parties have been made aware of. ( The situation which I've explained to all is that I'm facing homelessness as a direct result of the false reporting on my account. I've been turned down for every application that I've made for housing due to the inaccurate reporting. ) The gentleman at the agency also suggested that I file a request for a settlement agreement despite the fact that I have a XXXX balance. These applications were made months ago. 

I've had endless conversations with each party in efforts to resolve this matter. I've submitted and resubmitted all documents. I have still not received any bill or proper explanation of the alleged debt. In response to all of this effort, the agencies took one action. They closed accounts and recycled them into a new claim. 

I am on the verge of being homeless. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB Management is a debt collection agency that is attempting to collect a debt of mine that was discharged through a Chapter XXXX bankruptcy on XX/XX/XXXX. NCB did not begin reporting this debt to the credit bureaus until after the bankruptcy was filed with the bankruptcy court on XX/XX/XXXX. I have sent multiple disputes to all three of the credit bureaus in XXXX, XXXX and XXXX of this year, and so far, NCB has only removed reporting from XXXX as of XX/XX/XXXX. Reporting a collection account to the credit bureaus after the consumer has filed bankruptcy is against consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: NC

Complaint narrative:
XXXX, XXXX  and Transunion all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.

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 2019-09-20 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: NC

Complaint narrative:
XXXX, Experian and XXXX  all list a bankruptcy on my credit report for a mortgage through XXXX XXXX, and a car loan through XXXX XXXX XXXX and XXXX XXXX XXXX. I recently sold my house and sent the bureaus title paperwork and final invoice as well as insurance statements for the care on those accounts. I've asked them for information on who they've spoken with to verify this information and they only tell me that they verified it without the information I have requested. I sent dispute letters with supporting documentation on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the inaccurate information is still there. I even uploaded the information for online disputes with the bureaus.

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I have been dealing with Shellpoint for eight months trying to reconcile my loan payment history. I finally hired a person who owes and operated a loan servicing company to correct the loan history that I received from Shellpoint which costs {$3700.00}! In XXXX of XXXX I sent XXXX a letter requesting that they send me monthly mortgage statements. They refused because my loan was not reaffirmed after or during my bankruptcy. XXXX missed logged my payment on XX/XX/XXXX which cause all my future payments to be late. XXXX applied {$2500.00} to future interest in violation of Title 15 of the US code 1615 prohibition on use of Rule of 78 's. 
My loan servicing was transferred from XXXX to Shellpoint Mortgage Servicing in XX/XX/XXXX. XXXX received and cashed my XXXX & XX/XX/XXXX loan payments and did NOT transfer those two payments to XXXX. My loan was sent to Shellpoint 's collection department. I sent front and back copies of both these checks to Shellpoint by fax and email on XX/XX/XXXX and again on XX/XX/XXXX and it still took them over 60 days to apply them to my account. Shellpoint began their servicing with inaccurate records including due dates, loan balance and escrow account balance. They made errors in their accounting with my XX/XX/XXXX and XX/XX/XXXX payments. 
After having my loan history reviewed it shows Shellpoint has been over paid and already has funds to pay my XX/XX/XXXX payment. I am also due a refund of approximately {$1800.00}! I am a licensed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I have no idea how a individual with limited experience in mortgage loans or servicing could remedy their loan history with a servicer like Shellpoint. I feel I have been lied to, cheated and violated by Shellpoint 's servicing agents. They violated several laws and caused undo stress in my life! I will attach the corrected loan history and letter explain all the inaccuracies in XXXX 's and Shellpoint 's servicing of my loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 ) bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
Freedom Debt Relief was helping us with our bills we were paying them {$1000.00} a month to to consolidate our bills. We thought they were paying our bills but they were just paying them one at a time but the rest of the were not paid. Then the rest of the bills got late on payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent documents to them on several times XX/XX/2019. These accounts are not mine.

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 2019-09-20 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: GA

Complaint narrative:
XXXX and Experian are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 )  bureaus to fix this however, I have not been successful.

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 2019-09-20 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: FL

Complaint narrative:
I had a loan that was fraudulently handled by XXXX XXXX and then the loan was turned over to Navient who have been nothing but a headache over getting help with this account.. I have been given inaccurate information and no help ... looking into possible legal action and need help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AES/PHEAA
State: MA

Complaint narrative:
I signed up for loan forgiveness program. I have been working for a nonprofit organization since XXXX. My loans were transferred from navient to Fedloan servicing XX/XX/XXXX. XX/XX/XXXX i received a welcome email from fedloans. Fedloans try to charge me for past due amount during the transfer from XXXX. Initially i had to file a complaint because Fedloan were not applying my payments towards loan forgiveness program. After the complaint only 4 qualifying was adjusted. I have been making payments to navient since XXXX and only 4 payments qualified according to FedLoans i find that hard to believe. XX/XX/XXXX i received a qualifying letter it was 4 in XX/XX/XXXX another update 4 payment qualified. It is now XXXX only 4 loans apply since XXXX where are the additional 8? 

My first payment directly to Fedloans was XX/XX/XXXX. It is almost one year and i only made 4 qualifying payments? Something is wrong with this. I am actually paying ahead this message is on my account ( You are paid ahead since you made some payments above and beyond what was due. )

Company response to consumer: Closed with explanation