vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I contacted Transunion to report a bunch on unauthorized inquires on my credit report and was told by the representative that there was nothing they could do. On XX/XX/2019 I once again contacted Transunion to report old and new unauthorized inquiries on my credit report and was advised by the rep that I had to first try and make contact with all the individual creditors and request them remove the inquiries. On XX/XX/2019 I sent out letters to each individual creditor requesting they remove the unauthorized inquiry or send me documentation with my signature on it approving their request. I have yet to get any documentation in the mail from any of the creditors listed on the attached pages or have seen any inquiries removed. I tried contacting Transunion on XX/XX/2019 to explain that I had done what they requested and sent letters out to each individual creditors to request they remove the unauthorized inquiries or send signed documentation showing my approval of their request and was told by the rep there was nothing they could do, that I could not dispute this with them and I had to take care of this myself. I would just like their assistance in removing these unauthorized inquiries.

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 2019-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
My mortgage payments are due on or before the XXXX of every month. Each monthly statement says " after the XXXX a late fee may occur '' My monthly amount is {$1800.00} I sent use ACH from 2 different banks to may payments of {$920.00} the Total amount of which is XXXX Both payments processed on the XXXX of the month, please see attached yet US Bank still charged me a late fee.

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 2019-10-22 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have made four additional payments over the last four months on my student loans. This is in addition to my regular scheduled auto-payments that debit from my checking account every month. After I made the first additional payment I received an email stating that my next auto-payment due date was moved even though I indicated on the website that this was meant to be an additional payment towards the principal of the loan. I then called Navient and they stated that I would need to call them every time I make an additional payment to make sure that my regular auto-payment would stay on schedule and that my additional payment would go towards the principal. I have called with all four payments, but when I look at my payment history online I can see that interest is being taken from my additional payments, so I'm not sure what is going on. Navient has taken advantage of me in the past, so I want to be sure that my interest is being calculated appropriately. No one should have to call every month to ensure their payments are applied correctly. Doing things over the phone is how Navient took advantage of me in the past since I had no proof of our conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: Sunset Management, Inc
State: SC

Complaint narrative:
I have a late payment on my credit report from sunset finance and it is inaccurate and they will not removed it.

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 2019-10-22 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: OH

Complaint narrative:
I had a student loan with XXXX ( XXXX XXXX University ) that was in collections but recently paid in full but Experian credit bureau is giving me the run around about updating the status to paid in full. They asked me to upload the paid in full letter to their website but their upload website have not been working. The contact person at XXXX even mailed them the PIF letter and they are still giving me a hard time. I even called on several times and gets no help. I am fed up with the situation because I've done everything asked of me but still they are not reporting the correct information. this is hindering me from getting my family into a better living situation. Attached is a copy of the paid in full letter from the contact person at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 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: TX

Complaint narrative:
from XXXX to XX/XX/XXXX i was XXXX  i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Company name : Specialized Loan Servicing Company website : sls.net After receiving the payoff quote for my mortgage, I was charged {$25.00} per attempt for the payoff quote. I had to try a few times because the website was not working properly in one instance, and in another, I had to request a new payoff quote due to time elapsing.

It was not disclosed that I would be charged for the payoff quotes anywhere on the website that I found. There is a screen with checkboxes on it for verification for the terms of the payoff quote, and no charge was disclosed there. The FAQ section of the website also has no mention of a charge for a payoff quote. 

I discussed with a few operators and no one could definitely tell me they would add the disclosure. 

Attached is a screenshot of the website.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I disputed the apartment collection through the credit bureaus on XX/XX/XXXX, then again XX/XX/XXXX, plus I mailed NCS a debt verification letter, which was never answered? I do not believe the balance amount is correct. 

I asked for a itemized breakdown of all costs that add up to {$2900.00} Plus according to Ky. Rev. Stat. Ann. 383.670, I would like to know what steps were taken to re-rent the unit to limit my exposure to additional rent costs?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
XX/XX/2019 I was contacted back by 1st Point Collection Agency concerning Complaint # XXXX which outlined to send more info which was last 4 of ssn. On XX/XX/XXXX I mailed copy of my ssn and NC State ID to 1st Point Collection Agency. As of XX/XX/XXXX I have not had any contact with the collection agency. I contacted Consumer Financial Protection Bureau and was advised to start another complaint concerning that 1st Collection Agency has not responded to my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
from XXXX to XX/XX/XXXX i was incarcerated i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police 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 2019-10-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
from XXXX to XX/XX/XXXX i was XXXX i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police 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 non-monetary relief
Consumer complaint received 2019-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX You closed this complaint and nothing was fixed as a matter of fact it's worse.

1. Even though I send weekly extra principal payments by check to the stated address with principal payment on it ... it gets posted to interest ... I will call them on it ... they will correct..post right for awhile and then do it again. I have to check every single payment posting and take pictures of them.

2. There was an overpayment on the note side, which has now disappeared. I don't see it posted to principal like the guy said. I've sent an email and left a voicemail for him. If he can tell me the day that extra money was posted, I can pull up my pictures and see if it's true

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Iconic Mortgage Corp.
State: NC

Complaint narrative:
The company ran my credit report eight times now every company is saying I have too many inquiries.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MN

Complaint narrative:
THIS IS THE SECOND TIME THIS COMPANY " ENHANCED RECOVERY COMPANY '' HAS SHOWN UP ON MY CREDIT REPORT. IT HAS BEEN DISPUTED IN THE PAST, AND REMOVED, AND NOW ITS BACK! I DON'T OWE THIS DEBT! I HAVE NEVER HAD A XXXX BILL IN MY NAME! NEVER WILL! I DON'T EVEN LIKE THE COMPANY! I'VE BEEN TECHNICALLY HOMELESS FOR THE LAST 3 YEARS! THERE'S NO WAY I OPENED AN ACCOUNT WITH THIS COMPANY! ATTACHED TO THIS COMPLAIN, IS A COPY OF A UTILITY BILL THAT SHOWS MY CURRENT ADDRESS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22 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: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
I recently reviewed my credit report and I observed that ALLY FINANCIAL are reporting late payments to all the major credit bureaus, XXXX, XXXX, & XXXX. This negative reporting has had a severe damage on my XXXX XXXX & credit worthiness. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I don't recall making late payments and I am requesting that ALLY FINANCIAL provide my physical proof that the alleged payments were in fact late as being reported.

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 2019-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovative Collections, LLC
State: TX

Complaint narrative:
I received a debt complaint from Innovative Collections on a rental car that I turned in on the day of the supposed violation. I returned the car early AM and did not have any ticket whenever I used the car, and I don't own the car, and I don't know if I was the one driving the car if/when any violation occurred. To verify the debt / incident, I disputed the debt by following the exact procedure written out on their mailing ( attached ) within 30 days, and then I received a mail reply signature receipt ( attached also ) from a person who received it. That person 's name is XXXX XXXX and they received it last week. Yet, when I call, they say they never received anything and make up that I would be late for an appeal. I corrected the phone rep who seemed to be in error that I meant I disputed and I was within the time frame, and she was talking about an appeal w the city. I never saw anything from the city. I asked to speak to supervisor and she said there are none on staff and someone would return my call. Then later in the call, she said nobody would be calling me. The whole thing sounds illegitimate and beyond inappropriate.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
On XX/XX/2019 I began taking steps to have my PMI removed with LoanCare, my loan servicing company. I paid them {$620.00} to have a appraisal completed to determine that we had enough equity in our home to remove our mortgage insurance. I called twice within the next two weeks to check on status and was told it was still in process. XX/XX/2019 the mailed me a notification that my loan was being transferred to XXXX Mortgage. I called immediately as I was concerned about the appraisal process being disrupted. I talked to multiple agents and a manager that insured me that the appraisal was still in process and that all of the findings would transfer to XXXX. XX/XX/XXXX I called back again, as I received both a notification that my request to remove PMI was denied, but also received a statement showing that my {$620.00} was applied towards principal. The agents assured me that the appraisal was still in process, that I would be hearing from the appraiser soon. The appraiser contacted me 2 days later, and did his site inspection on XX/XX/XXXX. I thought this was a good sign. But I guess that two days earlier, LoanCare had denied my PMI request, using a XXXX value from a refinance. Now my loan is completed transferred. LoanCare, although initially telling me when I called after the appraiser was here, that the process should be completed by XX/XX/XXXX, is saying that the appraisal was not completed and that my {$620.00} was applied towards principal instead. I am now following up with XXXX, 2 months past when I completed the process, still paying PMI and still with no steps forward made towards getting an appraisal. XXXX is saying that they records do not show the {$620.00} paid towards principal. I can not pay another {$600.00} out of pocket for another appraisal. I am at a complete loss of how this happened and how this is even remotely acceptable.

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
When receiving my Barclay AA Aviator Business credit card, I asked the call agent for a match for more points if I met the minimum spend of {$1000.00}. The customer support agent accepted my match but I have not received the match after months of waiting. I have called multiple times and sent many secured message/service requests through the card online program inquiring about the match and still no answer. Barclay AA Aviator Business did not told up the end of their promise.

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 2019-10-22 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: CT

Complaint narrative:
I have a question of how my credit score is calculated. I have only one credit card with a limit of XXXX. I had a balance of XXXX, at time of dispute. The available credit of XXXX is reported as below average. 

I called Transunion about the problem and I was told that they take into account my student loan balance to determine available credit, and I responded my student loan balance should not be a factor in determining available credit because it is not a revolving credit like a credit card. 

I filed a dispute but they did not address the problem.

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 2019-10-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
i bought something via hsn in beg XX/XX/2019. i have a receipt that i sent it back to them, sent via usps priority mail, w/ tracking number along with extra ins for delivery. once, you guys give me a ref #, ill ' forward you the receipt at which time tell hsn to contact usps and if they wan na claim not gettingit, have them have usps conduct an investigation and if theydidnt ' get it then usps is responsible for payment not me so stop harassing me!

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 2019-10-22 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: MT

Complaint narrative:
I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX  proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.

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 2019-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Bank verified incorrect address information on my XXXX reported.

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: RI

Complaint narrative:
Loancare took over mortgage from XXXX. Raised payment {$150.00} monthly claiming we we're behind escrow. 1st time in 6 years. Said auto pay can be XXXX to XXXX of month. I chose XXXX as I did with XXXX. Every month since XXXX been charged late fee of {$37.00} when its auto pay and $ is always in account. They refuse to fix. My credit score dropped because my mortgage increased {$63.00} last month. How can it increase? I also applied {$30.00} extra to principle.

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 2019-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I've been trying for almost a year to get my Lender Mr. Cooper to lower my payment by taking me out of the XXXX yr mortgage into a XXXX yr. 4 years ago I did a modification and was only given the option of changing from the XXXX to a XXXX or loose my house. My situation had improved just little so not having any other choice I did the XXXX yr. 
My payment went from XXXX to XXXX and I've struggled hard to keep up every since. When I bought the house my income showed all I qualified for was a payment of no more then XXXX, with the modification at a XXXX yr has set me up to fail. My house is all I have, I'm XXXX vet with a XXXX XXXX son and just need some relief from this extremely high mortgage please help. 

# XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX

Company response to consumer: Closed with explanation