vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing incorrect information on my credit report. XXXX is especially one account that is reporting that should be deleted. Today I attempted again for the 3rd time to access my experian credit report online using report # XXXX. Again I was directed to link that they are unable to allow me to view my report. It states if I have a dispute I can write them or call experian again. Experian is not doing a proper investigation on the XXXX item I am disputing they just keep responding that is it updated. I am furious at this point because I have paid this company in full 3 years ago and I should not be reporting as a XXXX balance but then marked as a charge off to a bad debt. I am trying to fix these wrong items that are reporting as it is affecting my credit score but I ca n't even view my credit report online through experian even with a report number. I am not calling them again because I am always told the same thing plus I have to wait on hold to even speak to a rep. I am very close in obtaining legal advise and suing experian for reporting false and wrong information on my report. I am submitting this complaint XXXX last time in hopes that they ( experian ) will delete this account. I was also told from an experian rep awhile ago that XXXX did not respond from my last dispute and it would be deleted being they did not respond. I explained that they will not respond because they are no longer in business so this should have been deleted months ago. I should have had this account even charged off to a bad debt to begin with because they were paid in full. No wonder they are out of business they are very dishonest. I am submitting this complaint in hopes that I will get an updated credit report.

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
CFPB BE ADVISED THAT EXPERIAN SHOULD HAVE GOT A COPY OF THE POLICE REPORT THAT I SENT INTO THEM REGUARDING XXXX ACCOUNT XXXX I WILL ALSO BE SENDING YOU A COPY OF THAT USPS TRACKING NUMBER IS XXXX ALSO I WOULD lIKE TO ADD AS A IDENTY THEFT PER THE FCRA 611 I HAVE ASKED FOR THIS INFO AND EXPERIAN RUFUSED TO PROVIDE THE INFO THAT I HAVE REQUESTED FROM THEM ALSO XXXX HAVE NOT SENT ME ANY INFO THAT I HAVE BEEN ASKING FROM AS WELL

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 2017-03-21 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Attempted to Foreclose on Property without proper documentation. 

Using a Shell Company to attempt to Cover-up the False Documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I leased an apartment from XXXX XXXX and leased the apartment from the company for nine months while never being late and never causing any problems with the apartment. The apartment complex had a serve roach infestation issue that could not be fixed. Due to my health issues my doctor informed me i could not be around the pesticides nor the roaches due to them causing me to become very ill. I talked to the property manager several times along with send her emails complaining about the issues with the apartment causing me to become ill. She arranged a face to face meeting with her regional property manager and after me presenting the doctor information along with pics of the issues with the apartment she informed me that i would just have to indure the issues until my lease ended or pay a relenting fee to be let out my lease. I informed her that i am fully XXXX and i could not live under those conditions and so i put in a 60 day notice to vacate and asked her to use the {$500.00} deposit i paid to cover any fee 's that occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I need to file a complaint against XXXX for illegally re-aging my credit history for an account that is reporting wrong info to my file. I have not been associated with the account # XXXX XXXX for over 7 years. the information is updating so wrong each month. this account has no balance nor activity for over 7 years and overtimes that I dispute it it comes back verified, active, open and still showing inaccurate lates. It is even showing that I am still " OK '' each month but I DO NOT HAV ETHIS ACCOUNT OPEN NOR DO I HAVE A CAR WITH THIS COMPANY! How are they dong this? I asked for all the testaments and the late to be verified and have received absolutely nothing. I even filed a complaint with XXXX and this company does not exist in your database. I feel very used by XXXX, they are careless in their reporting and have done me no justice in providing me with a correct investigation that is required by FCRA law. This company does not exist and these informations can not and have not been properly verified. This account is reposting incorrect info each month and its hurting me. I have had no late in XX/XX/XXXX or XX/XX/XXXX as XXXX is repeating, this account was not in my possession than and the statue of limitations have expired as this car was returned during my XX/XX/XXXX Bankruptcy!

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 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I received in the mail from my mortgage company Citizens One Home Loans, a document stating that I owe {$2300.00} on Escrow. My loan is set up for me to pay my own taxes. I paid my summer taxes on time, but I did n't pay the winter taxes until after they where due. When I realized it I paid them as well. I send them a copy via fax, proof of payment, with the loan number, and the parcel numbers on them. Now I have received from them on XX/XX/XXXX a new letter stating that, I will have to pay and additional {$190.00}, because they have not gotten proof, of payment of my XX/XX/XXXX taxes, which was sent XX/XX/XXXX. They are now saying that I need to pay the additional payment until they can research the information, and the next payment must include the additional {$190.00}, on my account will reflect partial payment and it will be reported to the credit burial. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I SUBMITTED TO EXPERIAN CREDIT REPORTING AGENCY A STATEMENT THAT I WANTED TO APPEAR ON MY CREDIT REPORT AND OF THIS DAY XX/XX/2017, THIS STATEMENT HAS NOT BEEN ADDED.

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 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
disputed incorrect information and accounts with experian, after thitry day was told accounts and bankruptcies showing on my report we verified as being mine when asked for proof was told they do not have to give me prooof informed rep i have been a victim of identity theft was told to send in affidavit and police report which i did send in was told under reinvestigation after thirt days went by again was told again accounts have been verfied as being mine again asked for proof some thing with mysignature on it or copy of drivers license said again they dont have to supply me with proof.

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 2017-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MT

Complaint narrative:
My mortgage company PNC Mortgage is taking out more than the 110 % projected cost in my escrow account and refuses to address this issue despite multiple attempts to discuss this with them. Per Montana law 71-1-113, an escrow company can not reserve more than XXXX % of the amount needed to pay expenses. PNC mortgage bought my mortgage from another company and since they took over they have continued to say I have a shortage every year and increase my monthly payment every year. They are taking out more than the XXXX % allowed by law. I have tried to address this with them multiple times, both by phone and email. They refuse to address it and take about XXXX months to respond every time I contact them. I have made at least XXXX attempts to contact them via phone, even leaving messages with their supervisor. They only respond by sending me the same letter repeatedly. I have attached our email correspondence. Below is a copy of Montana law 71-1-113 : " Limit on the amount of funds on reserve. Except as provided in 71-1-114, if a lending institution requires a borrower under a mortgage or trust indenture of real property to include in the borrower 's regular payment additional payment into a reserve fund held by the lending institution for the future payment of property taxes, insurance premiums, and other expenses, the amount of funds on reserve may not exceed XXXX % of the projected amount needed to pay those expenses. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
My loan used to be with XXXX. I really like being able to pay in the branch & know my payment was correctly processed. The loan has Bayview Loan Servicing now for over 2 years. I make my payments online because on the auto-pay features states that if my payment fall on a holiday or weekend & is not process by the XXXX I can be subjected to a late fee. Every month I login & schedule a payment usually around the XXXX or XXXX avoiding weekend/hoildays. I noticed that my payment was n't withdrawn from my account as schedule. I call & they said that my payment cleared & to give it a few more days. I checked again the next day & it was shown late- with a late charge & additional fees. They said that it came back as a bad account number. I asked them what they show & the rep said that they do n't keep that info. I told them that its the same account that I always pay from & that I am never late. After over a 1/2 hour on the phone I was able to get the fees reverse & proceeded to make a payment thru then phone so I can be current. They do n't make it easy to pay them. You are not able to save your payment info & you ca n't see your info after a payment is scheduled to verify if the info is correct. If you make a payment after the XXXX, they charge you extra. You get calls saying your late starting on the XXXX of the month-everyday until the payment clears your account. They do n't even check to see if a payment is schedule. They call all hours of the day. Its the biggest monthly bill I have- I do n't need a daily reminder that it is due. legally I have until the XXXX to make my payment until I incur a late fee. I have great credit but I feel that I am treated like a some kind of low life because I qualified for a loan modification. I feel like I am in some kind of collections program & is subjected to harassments if they do n't pay my mortgage by the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am very devastated of the way Wells Fargo keeps prolonging my case so my sale date for XX/XX/2017 will not get cancel on time, I have provided all the required documents and Wells Fargo agent just keeps telling me that my packet is with the re-entry team and they are going to finish the review soon. However I have done this process for almost XXXX years and I know it does not take long to have an agent assign to my case, my file has been under review by the re-entry team for over XXXX weeks basically almost a month. I am sure that Wells Fargo intentions are to foreclose my home. I have explain to them my source of income and have provided enough proof. Please question Wells Fargo intentions I do not want to end up homeless. It has being a very stressful year due to my divorce and losing my job shortly after. My intentions are to keep my house and become current once again.

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 2017-03-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I received a XXXX Cancellation of Debt notice from Wells Fargo Bank on the XXXX portion of an XXXX interest-only mortgage that started in XXXX. The debt description was a CFPB Charge Off with an Identifiable Event Code of " F '' ( By Agreement ). This closed account is now appearing erroneously with an " FP '' or Failure to Pay status on my XXXX and XXXX credit reports. In XX/XX/XXXX, I refinanced the remaining XXXX portion of the loan into a conventional 30-year mortgage. I request that the account be removed from my XXXX and XXXX credit reports. Thank you.

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 2017-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
Planet Home Lending is my mortgage servicer and they are not crediting my monthly payments to my account in a timely manner. I mailed check number XXXX in the amount of {$1000.00} in XX/XX/XXXX for a XX/XX/XXXX payment and the company still has not cashed the check ( today is now XX/XX/2017 ). Planet Home Lending has also locked my online account and will not distribute a monthly statement so that I can see my mortgage account information. I have sent a written notice to the company in XX/XX/2017 to request that I start receiving paper statements again but they have not responded to my request, nor have I started receiving statements for my account. This company is very unresponsive to my written requests and now they will not deposit payments received to this account in a timely manner. It is almost as if they want the account to default by way of not honoring my payments. I would like help in having my payments posted timely and also receiving a mailed monthly mortgage statement from this servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding LLC is trying to collect on a debt that does n't exist. No where on my credit is this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has accounts that been close for a while in my account and it 's making my credit score low. Even though, I have XXXX accounts on the positive side my credit score should be higher. Years back I complained to them about some accounts that were close and was still in my account. This low score is preventing me from progressing in the job market. Please help me remove these old accounts from 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 explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently there have been changes to my Experian Credit Report. I requested XXXX to mail me a new and up to date credit report. Experian has failed to comply with my request. I am requesting XXXX to send me an up to date and current credit report.

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 2017-03-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I try to dispute items and was unable to dispute online. I keep getting error message with new credit report I view online on Sunday XX/XX/2017 and copy the newly updated credit report from Experian. Now, I am questioning late payments history. 
I am questioning the negative late payment history on my credit report Prior late payments will remain on my credit report for no longer than XXXX years from the date the delinquency occurred. 

I thought those negative late payment history is supposed to be removed from my credit report.

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 2017-03-09 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Indicated committed crime not paying
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Vehicle payment is past due. XXXX was contracted by lender, Ally Financial, to repossess the vehicle. Unable to locate the vehicle for repossession, " investigator XXXX '', an agent of XXXX, identified himself as law enforcement, made false statements about imprisonment and crimial charges to myself, my husband, and to elderly third parties at my home address. " Investigator XXXX '' also called the elderly family members on their personal cell phone and made additional threats of imprisonment and XXXX. XXXX working for Ally Financial have threatened imprisonment, have harrassed myself and family members at home, telephone harrassment, and impersonated law enforcement. Ally Financial and XXXX have violated The Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( CCPA ).

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 2017-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
On a few occasions, I have been late with a 2nd mortgage payment with Springleaf ( now One Main ). The online portal will represent that I owe for two months. When I pay for two months, they always credit the first month and then apply the rest to additional principal. This results in harassing phone calls about overdue account and a lengthy phone call with them where they have to go back and research payments for a year to finally agree that they misapplied the payment. Sometimes it takes several calls and several different people making several attempts to adjust this payment. Are n't these institutions held to some sort of standard to apply payments to outstanding balances before applying payments to additional principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I had filed an FCRA lawsuit with attorney XXXX and received {$1000.00} as apart of the settlement. I just received an IRS Form XXXX with the amount of {$2500.00} as income. This is false, I did not receive that amount. I only received {$1000.00}. Now that I am filing my taxes, It looks like I received {$2500.00} when in fact, {$1500.00} were attorney fees, paid directly to XXXX.

Company response to consumer: Closed with explanation