vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-31 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: LA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: LA

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: LA

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX my mortgage was purchased by Fifth Third Bank from XXXX XXXX. Taxes & Insurance were escrowed. In XX/XX/XXXX Fifth Third Bank failed to pay the Homeowner 's Insurance premium. Efforts by myself & XXXX  XXXX XXXX failed to extract payment from Fifth Third Bank. XX/XX/XXXX my insurance was cancelled for non-payment. Payment was made late ; XXXX   XXXX reinstated the policy without lapse. Since cancellation, Fifth Third Bank has harassed and threatened me over providing proof of insurance for the lapsed period. In XX/XX/XXXX Fifth Third Bank notified me they had purchased a " Forced Placed '' insurance policy on their behalf from XXXX XXXX XXXX XXXX in the amount of {$2200.00}. Funds were taken from escrow for this purchase, creating an escrow shortage, and creating an increase in monthly mortgage payment. Payment already made was not applied, my account was placed in past due status, additional funds have been demanded, and I am threatened with foreclosure. Despite all efforts to get a response from Fifth Third Bank, they have ignored my phone calls, emails, and complaints filed with state agencies and government representatives. They are insulated from consequences of their bad acts, from their fiduciary responsibility failures, and from the stress, anxiety, and fear they have visited upon this XXXX year old retired veteran with a son in XXXX whose home-of-record is this house. Fifth Third Bank needs a trip to the woodshed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: IL

Complaint narrative:
Experian is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-31 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: LA

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: LA

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: LA

Complaint narrative:
Experian is reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: LA

Complaint narrative:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2020-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I am XXXX years old and have leased a multitude of cars for myself and my wife. In XX/XX/2016, I leased a XXXX XXXX and purchased a {$7500.00} extended wear and tear coverage.With 6 months to go I began getting calls and letters to trade in the vehicle and get a new one. I decided on XXXX and turned the car in, paid the fees necessary and got into my new leased vehicle. There was some additional damage they claim ( dirty seats, floor mats etc ) but that should have been covered through the damage waiver. After we discussed that, I never heard from the company again until they claim to have sold the vehcivle at auction for {$5500.00}, without even discussing it with me, and then expect me to pay the balance. The car had a blue book voer {$10000.00} and the dealer is selling cars identical for {$13000.00}. Auction is the lowest form of purchasing vehicles, the company sets the residual, and then the people turning in the vehicle are expected to come up with thousands of dollars on a whim?! I would have bought the car for {$5500.00} had it been offered. This is unethical and flat out wrong.

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 2020-01-31 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/19 I went to Raymour & Flanigan. I exchanged a defective chair and purchased 2 more chairs. The difference was {$490.00}. I said to put it on my already open finance account with them. I had a {$1600.00} credit limit available. The sales person mistakenly put thru the total amount for both chairs and did not apply the credit for the defective chair. I received a call from credit asking if I wanted my limit increased, I said no because it is not necessary. I clearly told them do not run my credit. 
They did, apparently by mistake. I reported this immediately as I received notification from XXXX  that my credit had been run. I called the store and their credit department a number of times and expressed my concerns and that they had to fix this. I never authorized my credit being run. To fix this they removed my credit report from their system, but they failed to notify XXXX  of their error, so the inquiry is still there. 
I am trying to refinance a house and can not have any inquiries until this closes. Now I have to cancel that, lost the locked in interest rate and lose the money I have paid up front. 
I called XXXX, they were no help. They said the dispute has to come from Raymour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: AES/PHEAA
State: OR

Complaint narrative:
Dear CFPB, I am writing to illustrate some grave concerns I have with FedLoan 's servicing of my student loan, at the directive of the Department of Education ( DOE ). On XX/XX/2019 I received a notification from FedLoan that my loan had been placed in an " Administrative Forbearance ''. There was no disclosure in the letter why the forbearance had been applied. As required by the Truth In Lending Act, there was disclosure in the letter around the compounding of interest associated with this loan being placed in forbearance. After talking to the Department of Education it seems that the forbearance was placed on my account in response to the Borrowers Defense Fund ( BDF ) which I was apparently enrolled in a year before. The representative at the Department of Education for the BDF stated to me that there are over 200,000 applications pending review and that there is no expected timeline for the review, and that the process may take years to be addressed. Furthermore, she stated that no loans had been discharged through the BDF. I would like to tell you that the placement of this Administrative Forbearance onto my account caused a cascade of repayment issues with FedLoan, as I am also enrolled in the PSLF program, so making monthly payment is imperative. Although the personal situation of my account is bothersome to me, I have greater concerns about placing interest bearing Administrative Forberances onto the accounts of already at risk borrowers. When these loans are finally reviewed by the BDF, and return to a payment status there will be years of compounded interest applied to borrower ' loan, which will likely create a whole new crisis in student loan lending. If the Department of Education would like to take years to review these loans for eligibility for discharge, or rather spend years in court trying to find ways to circumvent borrower 's relief, these loans need to be placed in a non-interest bearing status while they are under review. 
As required by TILA, there was no language in the letter around the Administrative Forbearance to name the main beneficiary of the compounded interest, which is the Department of Education, and the Federal Government. This current structure of reaping funds off the interest of student borrowers in predatory, unethical, and illegal and must be reviewed. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Opened two accounts with Acima loans. Both accounts were paid on-time. 

The later part of XXXX, one of the accounts was scheduled to payoff. Banking information for this was provided as an automatic payment. My bank flagged this permission and required further verification. 

The information was provided to Acima in order to support a claim for compromise and flexibility to the the account with additional penalties. 

An email was sent with the verification ; the agency didnt provide ANY communication ( although email was the original source of communication ). 

My last payment was drafted from my bank account on XX/XX/2020. However, I have records of prior payments. 

Despite these payments, my credit report reported late payments which made my credit score to be impacted. I feel that Acima is targeting specific individuals to perpetuate the decrease and access to good lines of credit. 

Im looking forward to finding amicable solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I notified Shellpoint Mortgage that the borrower XXXX XXXX had passed away and that I was a Successor in Interest in the property. Despite being notified the lender, Shellpoint Mortgage sold the property at foreclosure auction. The property was reverted back to the lender on XX/XX/20. This is a violation of the Basic Rights Under California 's Successor in Interest Law as well as CFPB Rules and the Garn-St. Germain Depository Institutions Act of 1982. This is a violation of all the law and according to the title company who informed me that they can not issue title insurance on the property this also provides grounds for a case of Elder Abuse against the lender which is actionable on behalf of the borrower/victim on behalf of her estate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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: MI

Complaint narrative:
My student debt is under {$20000.00}, however Navient is claiming its over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.

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 2020-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I am writing to request correction of the error in my escrow account with Planet Home Lending. I have contact Planet Home Lending on XX/XX/XXXX and XX/XX/XXXX explaining in great detail their error involving my escrow account. I related that my property taxes from my county is paid ( 2x ) a year, which Planet Home Lending can easily view from my previous payments over the 10years that I have been with them. Here is the problem my property taxes were paid by Planet Home Lending for the 1st installment in XX/XX/XXXX and the 2nd installment was to be paid in XX/XX/XXXX. I come to find out that during the period before the 2nd installment was supposed to be paid my count had re- assessed the property and the 2nd installment was XXXX, therefore the 1st installment of XX/XX/XXXX has covered the entire re-evaluation for the year. I tried to explained this to Planet Home Lending and they refused to believe that my property taxes were paid in ( 2 ) installment, but ( 1 ) and would not call my county to verify. They withheld my escrow refund for the my 2nd installment of XXXX and my payments has increased due to them saying I had a escrow shortage and I have been paying over in escrow and monthly payments. This is unacceptable for a mortgage company to do this a customer or customers and has cause me great stress and anxiety of paying more than what I supposed to be doing.

Company response to consumer: Closed with explanation