vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: NM

Complaint narrative:
I had a hardship that caused me to default on my mortgage in XXXX. I went into the HAMP program and the 2nd mortgage refused to participate. The second mortgage refused to do anything on the note, and sold the loan several times until after the new servicer Land Home Financial took over the loan. The books were fraudulently changed by one of the mortgage servicer 's to reflect that payments were made through XXXX of XXXX. Land Home has refused to supply payment record 's to myself, but did produce them for the New Mexico Attorney General. The payments reflect false information that the company used to then file for foreclosure, and to make it look as if the last payment was 7 months later than it truly was. They have also refused to hand over the default letters, and if Land Home only has default letters from XX/XX/XXXX, then the previous letters were either erased and hidden to try and make it look as if the loan had been paid through XXXX, and foreclosure would still be valid, but this loan is past the statute of limitations if not for the fraud that was written by the servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I started disputing my credit because I found out i had identity theft/fraud. Muktiple companies have harassed me, impersonated them self as a lawyer, tried bribery, and also has given my information to a friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: MT

Complaint narrative:
I started paying my consolidated loan with Sallie Mae in XX/XX/2003. I began paying based on my income. I asked at that time if this consolidation would help me get the XXXX  Loan Forgiveness. They said as long as I made income-based payments and made them on time. My loan was moved to Navient. I continued to certify every year my income and make my payments based on 15 % of my salary. I am XXXX years old and going to retire. I applied for the XXXX Loan Forgiveness, and they said I didn't qualify because of a Parent Plus Loan that was consolidated. I kept trying to find information, but could not get any answers. I applied again and was told that I do not qualify. So I had XXXX XXXX look into my loan repayment options. They told me I had to apply through XXXX for a new consolidation, and work 10 more  years in a public service job. I called XXXX and they put me through to the XXXX who said that although my loans don't qualify, public service loans are forgiven after 20 years from any lender and I should call Navient and find out how many more payments I need to make after paying for 16+ years. I called Navient and they said that they do not do XXXX Forgiveness, or any public service forgiveness, that none of my 16 years of payments qualify, and I would have to consolidate through XXXX. She said that my loans are FFEL loans through the government, and they do not qualify. I asked what the difference was as they came from the government and she had no real answer. I asked why none of this was explained 16 years ago, and she was SO VERY SORRY. I did ask if the loans would be discharged upon my death and she said yes. I think that this is criminal. I have worked for 24 years as a XXXX XXXX XXXX  in a rural community at extremely low pay. My loans are now in excess of 100K because of deferments, and income based repayments. And I have no way of ever repaying this loan, all based on lies from the loan servicer ( Navient ) and the Federal Government.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/19 saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-17 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION, XXXX  AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX   XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE

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 2019-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STERLING BANCORP
State: NY

Complaint narrative:
I applied for a loan modification with Sterling National Bank on XX/XX/XXXX - I was approved on XX/XX/XXXX I made 4 payments based on the e-mail which is not a legal document waiting for my loan documents to be prepared. After asking every month and keepp hearing we are waiting for the assumption to be done. Which was done already in XXXX and they have all the papers. I was denied after waiting 14 months i was not making payment beciase I did not feel secure sending them money for them to finally turn around and deny me. I now have to file Chapter XXXX bankruptcy in order to keep my house. But the bank Sterling still say they would be willing to give me another modification. I think they just are trying to string me along. My health has siffered becuase of this whole ordeal. I tried calling the bank they wont talk to me they want to talk to either my dead mother or father and state they do not have any documents showing I am on deed when my county does. 

Really messed up bank. I do not know how they can get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding LLC representing XXXX XXXX Bank has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2015 amt {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 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: Student Loan Financial Assistance
State: NC

Complaint narrative:
On XX/XX/19, I received a call from a number that said I was eligible for loan forgiveness because I'm a XXXX  XXXX XXXX ( which I am ). I called the number back because I have heard of this program, and I was interested in more information about it. The man on the line told me that my federal loans were sold to a private company, XXXX XXXX, and that XXXX XXXX was charging me much higher interest than I actually needed to pay so that XXXX XXXX could profit. They told me that their company, Student Financial Loan Assistance, was connected with the Department of Education, and I believed them. They gave me a timeline of payments ( 3 payments of {$390.00}, 9 payments of {$200.00}, 120 payments of {$99.00} ). I gave them my bank account information and at their behest, cancelled my auto-pay with XXXX XXXX. After I considered this for a couple weeks before realizing ( luckily before it was too late to make a payment to XXXX XXXX ) that this seemed really suspicious. I contacted XXXX XXXX XXXX, and they essentially told me it was a hoax. My case number there is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX AND EQUIFAX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, EXPERIAN AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINEAND INACCURATE. 
ACCOUNTS : XXXX XXXX XXXX NOT MINE, PLEASE DELETE XXXX  XXXX XXXX NOT MINE, PLEASE DELETE XXXX- NOT MINE, PLEASE DELETE XXXX XXXX XXXX XXXX NOT MINE, PLEASE DELETE

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 2019-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART MORRIS & MONTGOMERY has an account on my credit that is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters LLC representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My account with US Dept of Education was paid in full in XX/XX/2019 and my credi report in XXXX for Equifax was updated to show paid in full. Then in XXXX my credit report was updated stating I owed {$560.00} and was in collection. I tried disputing with both Equifax and Dept of Ed and equfax is stating this is the information they are receiving whereas Dept of Ed is saying they are reporting paid in full. This is impacting my score and it seems like either the information has been sent wrong or equifax is not updating my report. Attaching a screen shot of My equifax report to show what XXXX said and what it currently says.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX has an account on my credit that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX CEO of Chase Bank has been notified that Chase Band and three of its reps with phone numbers ID, then personal IDS have notified the XXXX XXXX Police Department, XXXX XXXX, NY XXXX, information available only to me or my Doctor under HIPPA Law. The rep was identified and the phone number was identified as belonging to the fraud department and ID theft I have been pursuing for one year. 

It contained information that does not appear in my HIPPA file and has been verified that Chase Bank was the caller, identified positively and broke the HIPPA Laws in entirety. The police asked questions loudly on my porch and lawn, was 10 and 1/2 hours  after an email was rectified and not only filed a false police report but a federal report all felonies. 

Two days later, Chase Bank as reported to XXXX XXXX, CEO of  Chase bank that another employee reported false information to a federal agency whose help I depend on and reported to XXXX false information as real from a HIPPA file which it doesnt contain. One day later, a thrive false report was submitted to Adult Protection Services, another federal agency which was not in my HIPPA report, lies and made up causing to federal workers to  show up on my doorstep with false HIPPA information, illegal to read, illegal to report as fact, lies. These are all Federal charges with multiple felonies, Extremely high fines and federal sentences for XXXX XXXX CEO of Chase Bank for obtaining, reading, co-operating with the calls of filling a false police report on federal matter, co-operating with the same penalties and lies to XXXX and co-operation with filing a false report to a federal agency, XXXX. XXXX XXXX, CEO of Chase Bank also filed a false report, has possession of my HIPPA files and has lied to another Federal Agency, Adult Protection Agency which are lies because I have been fighting Chase and five other banks that my ID was stolen, denying all as fraud and constantly across five banks and three reporting agencies has been held down and suppress even though I supplied where to find him, where his buiness and everything I uncovered which has been ignored or worse not acted upon by all 11 agencies, bands, credit card fraud, ATM cash fraud, police report filed, FTC filed, Consumer Reports filed and nothing has been done. XXXX XXXX was my tax attorney, his words, tax preparer who filed my 2018 tax claims in XXXX of 2018, charging my cards with fees, payments, fines, fees for XXXX   Advisors, two locations he managers, still is preparing taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started disputing my credit because I found out i had identity theft/fraud. Muktiple companies have harassed me, impersonated them self as a lawyer, tried bribery, and also has given my information to a friend.

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 2019-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I am not entirely sure why these people have been harassing every single family member of mine, but they have done it for months. I have sent a complain about this as well. My sister in law just messaged me and said she received yet another call from a " XXXX XXXX '' who is from Williams and Fudge Inc. They apparently told her they had been trying to reach me. Let me just be clear that I have requested this company send me the information through USPS mail and they refused. They shared PERSONAL INFORMATION with people who are not even related to me over the phone as well. I have a minor whose biological father is not to know of our address and apparently that was released as well. These are NOT FTC compliant tactics if these are bill collectors. He told my family member today XX/XX/17 that he got her # by " Doing some research '' and said he knew that they knew me, etc. I would like someone to investigate this person because this is STALKING and HARRASSMENT. EVERY SINGLE PERSON he contacts they ask them to stop calling and he continues to do so with unlawful tactics and keeps sharing my personal information with people who are NOT even related to me. The screenshot provided is just ONE of the many relatives and friends who have called me about this. Not only is it embarrassing, but he has called my employer and shared information as well-and I have NO clue why or who they are, as they will NOT respond with my request that they communicate WITH ME ONLY through USPS mail, for a paper trail, for my benefit as well as theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see pages 3 and 4 attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs 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