vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In   XXXX  , I consolidated my student loans through loan servicer  XXXX   XXXX   XXXX  and the loan was funded through  XXXX . I have paid on the loan for the last 10 years without ever missing a payment. Last month,  XXXX  decided to switch servicers from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  (  XXXX  ). When the loan servicers were switched by  XXXX ,  XXXX   XXXX   XXXX  reported to the credit bureaus that they were closing my account.  XXXX  reported that they were picking up my account. Because of this, the credit bureaus all recorded  my 10 year old loan as "  closed '' and opened a " new loan '' with  XXXX  - even though it is the same loan that the bank transferred.     This treatment by the credit bureau is unfair & inaccurate, making it look as if I just opened a new account when I am still paying the same  10 year old stude nt loan. This is unfair to all of the persons transferred from  XXXX   XXXX   XXXX  to  XXXX , and in my case in particular, it dropped m y credit score   XXXX  points just as I 'm starting to look into taking out a mortgage to purchase a 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 2017-05-18 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Spoke with Creditor who verified accounts were  not mine and would be removed. Transunion is still reporting these accounts  XXXX   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 explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied for a  Dreamaker Opportunity  mortgage loan with Chase Bank.     I was approved for the loan and I locked in a 4.0 % rate for 60 days in a  Lock-In Agreement. 2  weeks later, I was issued a Mortgage  Commitment Letter  which states an interest rate of 4.375 % with discount points of .375 %. The  Commitment Letter als o states that our interest rate and discount points are determined by our  Lock-In Agreement. I p ointed out to our  Loan Officer  that the rate did not state 4.0 % but he told us that it meant our rate would be 4.0 % after we paid the .375 % discount points.     This l oan officer repea tedly told me that our rate was 4.0 %.     Today, we are   two weeks before the expiration of our Lock-In Agreement and our loan officer has told us that Chase will not honor our Lock-In Agreement rate of 4.0 %.
A loan processing agent explained to us that there was a " glitch '' and that some time after our Lock-In Agreement was issued our application was bounced back and put into a conventional non   -1st time  home owner loan, which does not offer the 4.0 % rate.     This " gitch '' was never communicated to us, neither was the new 4.375 % rate, till today which  is two  weeks prior to our closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCA Collections, Inc.
State: VA

Complaint narrative:
I received a annual credit report and realized a debt collection was reporting on my creidt. So I sent the third party debt collectors a verification of debt letter, and they sent me a letter back with medical bill ( no signature, wrong address and medical information ) indicating that this was my debt. This is a HIPPA violation when false information pertaining to my social security and name is being shared to anyone other than myself and the supposedly hospital I owed this debt to. Also, once sold to a third party collection it is no longer my debt with no contract. I 'm pretty sure this hospital wrote this debt off after they sold it. I use to work in XXXX so I know these tactics and I refuse to be a victim of any scams done by these companies. I asked for the original documentation and received a unclear copy.

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 2017-05-18 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: IL

Complaint narrative:
Equifax removed an item off my credit report and reinserted back on there without notifying within 5 days of it being put back on the re. Prime Example  :  XXXX   XXXX  This item was put back on my credit report. This item was an account that was opened due to identity theft. Credit reporting agency has the copy of the police report. The copy stated that I was n't liable for it after i sent them the affidavit and police report, however, Equifax has taken it upon themselves to play judge and jury and reinserted this item. Please find that I 've included all supporting documents.       I 'm requesting a new investigation on the disputed re-insertion account : On  XXXX / XXXX / 17  I discovered  XXXX    XXXX   had been re-inserted into my credit file. You are required to notify me with in five ( 5 ) day s of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.       I plan to file a lawsuit against the creditor for re-inserting the item unde r the Fair Reporting Credit Act ( FRCA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: MD

Complaint narrative:
Since  XXXX   XXXX  I have been disputing  XXXX  accounts on my credit report with a company called  XXXX   XXXX   XXXX . I sent a few letters to them previously asking them to validate the accounts that maintain under my social security number.  3 fail ed attempts and no contract was provided. I contacted the Credit Bureaus and the accounts was deleted, however after a recent update the accounts are back.  XXXX  account is now being reported again with a {$0.00} balance and the other  XXXX  has a {$120.00} balance and states account meets FCRA requirements if some new documentation was presented it was not provided to me. Also I reside in Maryland and Maryland law states that a debt buyer must be licensed. I checked my state websites for debt collectors and  XXXX  is listed as closed. My recent letters have been unanswered and the Credit Bureau is not assisting me at all.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
My wife and I, along with our  XXXX  children, were tenants at  XXXX   XXXX   XXXX   XXXX ,  XXXX , IL for a period of approximately  XXXX  years. We vacated the apartment at the end of our lease in   XXXX   XXXX       We paid all of our rent when due, and complied with all of the terms and conditions of the lease. When we moved out, we asked for a " walk through '' but were refused.  XXXX   XXXX   XXXX ,  XXXX , the landlord, some weeks later sent us a notice for {$580.00} for damages that do not exist. They collected no security deposit if there were a security deposit they clearly would not be allowed to withhold from it under the  XXXX   XXXX   XXXX , which permits reasonable wear and tear. Instead they have hired a debt collection agency to harass us and are threatening to damage our credit if we do not pay them the amount they claim we owe. The photographs they claim show damage do not show anything obvious, and certainly not {$580.00} of damages.  XXXX  of the photographs actually shows a clean, empty apartment. They have no photographs of when we entered the apartment, to my knowledge.     I suspect this might be part of a pattern. A landlord threatens collection against tenant. The tenant is afraid of damage to credit and pays off the landlord to go away, even though the charge is unfair. Many tenants hope to become homeowners.     Credit ratings have a lot of power over people, and landlords and debt collection agencies should not be able to report debt that they can not prove to credit bureaus. If it were unpaid rent, that would be obvious in the lease. This is highly subjective, and they do not have the evidence to sustain a breach of lease claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US  Bank pushes pending transactions before allowing transfers to post then accessing NSF fees.

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 2017-05-18 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: AZ

Complaint narrative:
Transunion replied to my complaint number :  XXXX . In their response they stated that   XXXX    XXXX   XXXX  account numbers :  XXXX ,  XXXX ,  XXXX , and  XXXX  reflected  XXXX  balance, dated close of  XXXX   XXXX  which is not true. It really concerns me even more that Transunion do n't investigate a through investigation and really look at my report. It clearly shows that as of today  XXXX / XXXX / XXXX    XXXX   XXXX   is showing I owe {$50000.00}. Which is n't correct! Please update my account to   XXXX   since Transunion is stating that my current account shows this balance. This account shows the same date as Transunion response  XXXX   XXXX ,  XXXX . This is at this point a fraudulent account. Please delete this account. The attached report is update to todays date of  XXXX / XXXX / XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Hi, NATIONSTAR MORTGAGE, LLC is violating my    California Home Owners   Bill  of Rights and are making fraudulent foreclosure sale on my property. I have been approved for a loan modification with NATIONSTAR MORTGAGE,  LLC  and have paid them for the Loan Modification Trial Period Payments and they are still placing my home under foreclosure sale scheduled for  XXXX /2017.   After a couple years of working and trying to get a loan modification finally Nationstar Mortgage approved me for a Trial Period Payment Plan. We were very happy to finally see a Trial Period Plan and we were happy to move forward. Our First payment had to be made on     XXXX   XXXX   2017 . I  agreed to the Trial Period Payments and sent out my first payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017  and was delivered on    XXXX   XXXX    , 2017   which  they accepted and everything was ok. Next month I sent out the second Trial Period Payment of {$1400.00} to Nationstar Mortgage on    XXXX   XXXX  , 2017    and was delivered on     XXXX   XXXX  , 2017     which they accepted and everything was ok as well. But after making those  two  payments I received letter in the mail saying that my   Loan Modification   was denied due to not making the Trial Period Payments. How can this be that after making  two pa yments which they cashed they now are saying that I did not make any payments? I have proof of these payments and now they have placed my home for sale on foreclosure auction set for     XXXX   XXXX  , 2017     (   XXXX /2017      ). They are clearly in violation of the California Homeowners Bill of Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: TN

Complaint narrative:
Myself and wife had  XXXX  Federal Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX / 17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county. We  disputed with Equifax the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. Equifax used a third party vendor for their information,  XXXX . Equifax is ignoring our  Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens a re to be deleted we find this conduct very irregular.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
They tell me my loan will be forgiven after  ten y ears and then you talk to another representative and they say  twenty  years. It started out with  eight  years. I 'm so confused. My loan is increasing instead of decreasing, even though I have auto pay. It went from  XXXX  dollars to  XXXX  dollars in  one  year! I wish I had never went into forbearance like they suggested in  XX/XX/XXXX . I have record of paying sinc e  XX/XX/XXXX , i t 's on my loan site, I followed their advice and it only made paying back the loan worse. Still to this day, one person says one thing ( in the same company ) and another representative says another. I think they are trained to do that. I just want to pay my loan off. I was even told one year ago in  XX/XX/XXXX , by someone  XXXX  at   XXXX   XXXX   on  XX/XX/XXXX , that I only had 100 more payments to go, because I had already made  twenty  payments and now I 'm just getting the run around. Not sure what is going on. Something about paying  XXXX  dollars in order to do something, not sure. Bottom line, I should never went into forbearance or try to get help with this forgiveness program. I would have walked to work if I had known all this was going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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:
I had a lien from  XXXX  County Georgia on my credit report. The lien was " withdrawn '' by the state, but Georgia has no process to report to credit agencies that the lien was withdrawn. The report is showing the lien as " released '' which was true at one time, but now the state has " withdrawn '' the lien but does not have a system in place to report to the agencies. You will see that I have attached the delinquent tax payer list directly from the Georgia website and my name is not on it.    XXXX    and   XXXX    have both removed the item from my report, but Equifax reported back that the lien is justified. It should be removed since it is a " withdrawn '' lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I purchased a condo and less than  one  and a half years later  my 30-year FIX ED rate mortgage payment has increased {$370.00} a mon th ( or 14 % ) due to erro rs. The dispute and follow up has been ongoing since  XXXX  and my fourth increase in just  five  months is set to occur in  XXXX .     Each time I have noted an error and voiced a concern, I receive an acknowledgement an error occurred and my account will be fixed / credited, and then my mortgage payments INCREASE.     All errors made with my escrow account ( that I know of to date ) have now been credited but my mortgage payment remains at the exasperated amount.     I have discontinued auto-payments and will send the original amount that I 'm meant to pay, as these errors should not result in a significant financial hardship for me and my family.   
Please see attached for the letter I most recently sent Ocwen and all the support I provide as well - and cross referenced for ease of use - for them to fix the error. Happy to provide evidence of my attempts to resolve as well as the inaccurate letters and statements I received from Ocwen thus fa  r.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: LEXISNEXIS
State: TN

Complaint narrative:
Myself and wife had  XXXX   Federal  Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX /   17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county.  We disputed with  XXXX  the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results.  XXXX  used a third party vendor for their information, LexisNexis.  XXXX  is ignoring  our Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens are t o be deleted we find this conduct very irregular.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
Hello, My initial application to  Suntrust Mortgage  was submitted in  XXXX  . 2017. It  entail a refinance of the current mortgage with the company. Everything was going well except the appraisal. It was more than 30 days after the initial application and all documents were submitted way ahead of schedule and A Paid Appraisal. The appraisal result was less than expected by more than {$100000.00}, So I appealed wit h Data and  a brief summary. Well I never received an answer regarding the appraisal and Then suddenly, I was n't approved anymore. I requested a refund of my appraisal, but was denied About 3 months later, I contacte d Suntrust  mortgage to state my dissatisfaction of the service to resolve our differences and to re apply since it was less than   six months.
I explain the situation to the former loan agent, but he refuse to talk, so I was transferred to another who transferred me to a manager which   allowed me to resubmit the appeal.   XXXX   XXXX  of my   chief    complaints was using an appraisal that was located more than  XXXX  miles away from subject property when there are plenty of appraisals located in the city of the subject property And the appraisal used comparables with different zip codes that are in undesirable areas. All of my complaints included references from police departments and   XXXX   XXXX   XXXX       After the submittal, the appraisal stood as is.

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 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On  X/XX/16   , I made a purchase and used sister as my reference. Later, I learned she was a co-signer on acct. My sister was not present during transaction. On  XX/XX/XXXX , I went to the store and had the application redone to remove sister off account so that items would not go on her credit. I paid {$140.00} towards a different finance company as a down payment to start a new contract. A few weeks later I noticed the item on my credit report and my sister informed me that it was on her credit report also. I called Synchrony Bank and spoke to  XXXX  twice. I faxed documents showing original paperwork on  XX/XX/XXXX  and then new paperwork on  XX/XX/XXXX  showing credit back to Synchrony Bank. Synchrony Bank removed item few weeks later and now it is back on my credit report and it was never removed from my sisters credit report. I have sent paperwork showing the new finance company as well. Synchrony Bank still will not remove items from their account and my sister and my credit report. The new finance company is a rent to own company. Synchrony Bank has been reporting to my credit reports and my sister 's credit report negative information which they should not be doing since the account is no longer with them. In the attached documents, you can clearly see dates, the credit amount that Synchrony Bank is suppose to credit on the account and the new finance company with its amount and dates of transaction. Synchrony Bank is illegally trying to get me to pay for items that are not on their account and in the meantime are reporting negative information to all   XXXX   credit bureaus which has caused great harm to m y credit score and my sister 's credit score. There is suff icient and clearly recognizable documentation showing purchase, credit to be returned back on Synchrony Bank account, and new finance company with same items and amount to be started with new company. As i stated above, the new finance company is a rent to own company.

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