vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ORG GC GP BUYER, LLC
State: MA

Complaint narrative:
I just discovered this yesterday : My credit report shows a XXXX address ; lifelong XXXX resident. Student loans from XXXX that I was trying to make good on through the XXXX, were transferred to service provider GC Services. They made XXXX successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
XXXX address was garnered by GC Services via XXXX XXXX XXXX XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my XXXX XXXX XXXX XXXX, XXXX account and still learning more ... 
XXXX is a function of XXXX. The address was added to my XXXX credit report XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX collected from XXXX, a division of XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX gave the information to XXXX  They act like I am talking about area XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the XXXX. It was until they changed it ... ..XXXX admitted to the practice of providing information that XXXX not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be GC Services in this case. 

The scam is this : the student loan contracted by XXXX  makes a singular attempt to reach the owner of newly acquired loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian or about XX/XX/XXXX regarding an incorrect entry on my credit report. I provided them a copy of a letter from the XXXX Department of Insurance and Financial services which reads in part : " XXXX 's response dated XX/XX/XXXX, apologized for the correspondence you received from XXXX XXXX XXXX XXXX dated XX/XX/XXXX, regarding the collectron of a debt in the amount of {$200.00}, as your account was sent to the collection agency in error. XXXX stated they contacted the credit bureau to [ accurately ] update their reporting. '' Experian responded that this was not good enough. Now if a letter from a regulative agency is not good enough to correct their screw-up, what 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 non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I tried with everthing to receive a loan modification. I have emails dates and documents. About 4 years ago I was two payments behind with Citi-mortgage. I applied for a loan modification to try to catch up those two payments. Citi-mortgage modification department told me the only way I could receive a modification is that I first hold a payment so I could qualify for a modification. In there words at the time I had to be 3 payments behind in order to qualify. I did as I was told putting my self in deeper debt If you are 90 days behind you could be forclosed on. I tried for a year and a halp for loan modification. Than only thing left for me to do was to file bankruptcy house included. Money came out of my check to pay the bankruptcy department that was sent to Citimortgage by way of my attornies. Then I had to pay Citi-mortgage a regular payment of XXXX a month. Then they werenot satisfied and tried to get the automatic stay removed sent to my lawyers saying I wasnot making my payments. Remember money came from my check to pay them for back pay. Also I made a monthly payment of XXXX. My attonies negotiated and the new terms was I had to pay XXXX a month plus XXXX per month and money continued to come out of my check for Citi-mortgage. So now I made three different paymenst a month to Citi-mortgage I couldnot afford it buy I tried. Than they pursued 5 months latter to have the automatic stay removed. They succeded I spoked witth my attornies they suggested convert my chapter XXXX XXXX to a XXXX and surrender the house and walk from the house. I did as my attornies advised because Citi-mortgage refused to work with my attornies. I invested 10 years of myselft and my families life in that house. My wife and myself suffered hardship because of this situation. We had to find a rental property that cost us XXXX dollars a month. Also Citi-mortgage said we will not give you moving fee money. The move cost me and my wife XXXX plus furniture it depleated our savings. Citi sold my house and got all the proceeds. 

We could have been living in a cheaper house affordable and we own it now we are renting please investigate there tatics. I was told Citi-mortgage is a powerful company and know could take them own. They gave us no help whatsoever this was very unfair 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 2017-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I responded to a solicitation from Discover Bank in XXXX, 2017 for a home equity loan at 3.99 % for up to {$150000.00}. Within the first 30 days the bank advised that I was eligible for the full {$150000.00}, at the 3.99 % rate, based on the application they completed over the phone with me. After at least SIX months of providing documents to Discover, many of them provided 2-3 times, evidently because they misplaced them, I was advised by mail correspondence that my loan was declined. The day before, by email, I advised Discover that I was withdrawing my application. That same day Discover officials ( XXXX XXXX XXXX ) told me by phone that they were still seeking ways to make the loan work. After explaining to several officers that I withdrew the day BEFORE I physically received the letter from Discover denying my application, they still would not list it as a withdrawal. I would like to be compensated for all the time I spent providing documents to the bank over an unusually long application period, only to have Discover decline my loan application, after within the first 30 days advising that I was eligible for the highest loan amount they offered along with the lowest interest rate. That, based on a strong portfolio, excellent balance sheet, and 25-year record of mortgage payment and payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 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: I.C. System, Inc.
State: OH

Complaint narrative:
Credit collection agency " I.C. SYSTEMS '' is DOUBLE-REPORTING an account for {$160.00} on my XXXX credit report. I. C. SYSTEMS did correctly report only one account on my XXXX XXXX credit report, but have taken the illegal liberty to report the same account twice to XXXX XXXX. Such reporting was done within a few days of each other. 

I disputed the duplicate reporting to XXXX on XX/XX/XXXX and received confirmation number XXXX. However, I.C. SYSTEMS confirmed that both accounts are mine, which is incorrect. Both accounts are NOT mine. Only one account is mine from the original creditor, XXXX/XXXX XXXX XXXX. 

Again, today, XX/XX/XXXX, I disputed the information with XXXX and received another confirmation number, XXXX. However, as a result of I.C. SYSTEM 'S incorrect reporting, my XXXX credit score nose-dived about 40-50 points, which is COMPLETELY UNACCEPTABLE because it is based on their erroneous error.

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 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a balance transfer from a SECURED credit card ( XXXX XXXX ) of XXXX dollars. I thought it would be a way to get it payed off taking advantage 0 % interest for a year offer. I went into the branch in XXXX XXXX. The gentleman who assisted me assured me this was a very smart decision I had made. I was paying XXXX annually in interest on my secured XXXX and had reached the limit so it was negatively affecting my credit. 
I do n't have any previous experience with balance transfers, nor do I have any expertise with credit cards, which is why I went to the professionals at chase bank. I was barley establishing my credit transitioning from a secured to an unsecured credit card. I chose to visit Chase bank. I trusted them, even kowing their interest rates, fees and fines are steep. I was willing to pay for good quality service and a expert at getting what I needed done. 
The bank man did a balance transfer from a secured ( I had initially used my money and made a XXXX deposit ) XXXX to a unsecured XXXX. My first statement was XXXX/XXXX and now I owe two banks around XXXX. This went on for four months. I 'm paying XXXX XXXX, but not Chase. My credit score plummets. I called Chase and spoke to several different departments, but nobody could understand what I was trying to explain. I just gave up because the last woman I spoke to was so rude. She made me wonder if it was n't a mistake of mine somehow. No. Not my mistake. Within two weeks I got a strange check from a unheard of branch of Chase for the full exact amount of the original transfer. I also got my account closed with both banks, a worse credit score than I started with and I still owe Chase bank XXXX. 

Unavoided any interest XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES
State: CA

Complaint narrative:
After getting married in XX/XX/XXXX, I merged bank accounts with my husband in XX/XX/XXXX. That same day, I updated my bank account information on the Great Lakes website ( Student Loan provider ) in order for them to continue to withdraw money on a monthly basis ( auto pay ). 
In XX/XX/XXXX I logged on to the Great Lakes website, and found out that they never processed the change in bank accounts ; and thus they did not withdraw any payments for the months of XX/XX/XXXX-XX/XX/XXXX. 
Once I realized they had not collected any payments, I paid the full amount right away. However, they had already reported me to the credit bureau, and stated that I was " late '' in my payments for over 120 days. 
I tried contacting Great Lakes and the Department of Education several times, and appealed the negative credit marks stating that was an error on their end. Despite my clean payment history for over 5-7 years, the request was denied. 
It 's worth mentioning that no calls, letters or emails were sent to me notifying me that no payment had been made on my behalf. That would have alerted me that there was something wrong. 
I then proceeded to hire XXXX XXXX so they could help me clean my credit and solve this situation. Appeal letters have been sent over the past several months, but nothing has been done by the Department of Educations. 
This technical error on their end is costing me a low credit score ( that for so many years I so carefully built ), and it is currently impacting my qualifications to purchase a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On Friday, XXXX XXXX, XXXX I got a email from XXXX XXXX XXXX XXXX in which they said that they had " Denied '' my " Loan '' request based upon negative credit information on my " TransUnion '' credit report. I then called up " TransUnion '' and professionally explained to them the above same facts. I then asked " TransUnion '' for my " Free Copy '' of my " TransUnion '' credit report in according with the Federal law called the " Fair Credit Reporting Act. '' And I was told " XXXX '' by " TransUnion at which time they just hung up the phone.

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 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MIDFIRST BANK
State: CO

Complaint narrative:
Midland Mortgage co.
is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it.
Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. 

most times I contact them they ca n't find my acct. until I am persistent

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 2017-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Call came in, robot about reducing fees, wanted to have my number removed, only way was to talk with some one, they in turn asked for name and they verified my number, I asked for my name to be removed and he said he did not have to and I should expect harassing calls. The call was from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: U.S. BANCORP
State: TX

Complaint narrative:
Someone stole my credit card info, changed addresses multiple times, made expenses purchases and failed to pay. Credit company never attempted to contact me and charged off bad debt to 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 monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
A law office repeatedly calls me on a weekly ( or even more often ) basis. They apparently serve as a debt collection agency. I discovered this by XXXX their phone number. They leave the following message : " This is the law office of Linebarger, Googan, Blair, & Sampson calling for ( so-and-so ). This message is in reference to account number (  such-and-such ). ( Unintelligible ) call XXXX. '' I called the number several months ago and left a message telling them they have the wrong number. I said : " Nobody by the name of ( so-and-so ) lives at this number. Please stop calling me. '' They have not had the decency to cease and desist, so I am filing this complaint. If they keep calling me, then I may hire an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Today, XX/XX/XXXX, I received a XXXX XXXX XXXX alert on my checking account. I have alerts set up to notify me of withdrawals from my account. 

I was alerted that a withdrawal of {$820.00} was deducted from my personal checking account from Freedom Mortgage Company. 
This was taken from my account without my authorization or permission. 

I tried to submit a payment yesterday on line to Freedom Mortgage which I have done for the past 2 years. The auto system said all three times, there was a problem with my on line payment to contact costumer service. I contacted costumer service and was told that the mortgage company had a new system and was having problems excepting payments on line from XXXX users like myself. He refused to take a payment over the phone unless i was willing to pay {$15.00} service charge. 

So I got off the phone with Freedom Mortgage and used my I pad to try and schedule a payment for XX/XX/XXXX. It took my payment for next month. I printed copies of the confirmation for XX/XX/XXXX. 

When I received the XXXX XXXX alert, I contacted Freedom Mortgage immediately and I spoke with XXXX. He said that the system shows all three rejections yesterday and they should not have taken any money out of my account today. 

XXXX also acknowledged that I have a scheduled payment for XX/XX/XXXX which i cancelled today since I am now paid until XX/XX/XXXX. 

My complaint is that the mortgage company went and deducted money from my account without my knowledge. This is very scary and I want them looked into.

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 2017-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have written Portfolio Recovery and made calls asking them to cease all contact. They sent a letter to me acknowledging my request. On XXXX/XXXX/XXXX at XXXX XXXX XXXX Portfolio Recovery ignored this request and contact me via phone which they were not allowed to do. Portfolio Recovery has violated FCRA and I demand they stop contacting me regarding a debt I do not owe. This debt is not valid and they continue to contact me even after they have been told not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
It has been since long time ago, about XXXX to 4 years ago that i have submitted inquiries to get removed from my credit report without my authorization and none of the creditors had taken action and my credit score it is really bad due to the crazy amount of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: IL

Complaint narrative:
On XXXX XXXX, I was given a payday loan from north star finance llc/north cash for XXXX dollars.. In my state of XXXX XXXX loan lender has to be licensed with the Illinois department of XXXX to give payday loans but this company is not licensed in the state of Illinois to give XXXX payday loans therefore making this loan illegal under Illinois XXXX XXXX XXXX XXXX XXXX of the payday loan reform act ... XXXX XXXX XXXX charged XXXX annual XXXX on the loan which is in violation of section XXXX of the Illinois payday loan reform act which XXXX loans can not charge more than XXXX per XXXX dollars loaned as interest.. as of today 's date I have paid XXXX dollars on this illegal unenforceable loan in the state of Illinois per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states this company has no right to collect, receive and principal, interest or charges related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My identity was stolen, possibly as a consequence of the Equifax hack. I 've had to contact the three credit reporting agencies to freeze my credit. I reached an automated line at each to get a PIN that allows me to selectively unfreeze and refreeze my credit. 

The lines at the two agencies other than Equifax stated that the PIN would be mailed to me. Unbelievably, the automate line at Equifax issued me a PIN ON THE SPOT. This means the thief can call up and AT HIS OPTION, pretend he is me, get the PIN and freeze or unfreeze my credit as he or she wishes. 

Worse, even if Equifax DOES N'T issue a new PIN once one has already been issued, persons who stole other Equifax " customers ' " identities can simply be first to the gate, get the PIN and actually PREVENT the real person from freezing and unfreezing their credit at Equifax. THIS HAS TO BE STOPPED FOR THE SAKE OF ALL THOSE WHOSE IDENTITIES EQUIFAX HAS ALLOWED TO BE HACKED.

Company response to consumer: Closed with explanation