vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-12 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
GMAC Mortgage company is reporting a bankruptcy write off in XXXX, XXXX. The bankruptcy was filed in XXXX XXXX, discharged in XXXX XXXX and paid in full in XXXX XXXX. GMAC sold the mortgage in XXXX XXXX and was not even a party in the discharge. XXXX XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in 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 2017-08-12 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: Village Capital & Investment LLC
State: GA

Complaint narrative:
My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC.
I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, 2017 claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, 2017, with all three credit reporting agencies for them and those hard inquires have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a bankruptcy write off in XX/XX/XXXX. The bankruptcy was filed in XX/XX/XXXX, discharged in XX/XX/XXXX and paid in full in XX/XX/XXXX. XXXX sold the mortgage in XX/XX/XXXX and was not even a party in the discharge. XX/XX/XXXX is almost 5 years past the filing, over 4 years after the discharge, over 4 years since they sold/transferred the loan, and over 6 months since the loan was paid in full to the Company they sold/transferred the loan. Impossible to have ANY activity in XX/XX/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 2017-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I missed two payments Sent them in to get caught up, received a letter stating that the loan company -Chase bank, informed via a letter that they had miscalculated my loan and that I needed to pay {$3600.00} I called the contact and was told that they found this error and that I needed to pay XXXX I informed them that I had been garnished for the previous 11 months paying {$930.00} for 10 months. They did n't care and suggested I make two paymnents of {$1800.00}, I advised them that if I could n't paid XXXX I would n't be able to pay XXXX either. I asked if I could add it to the loan they said no. Previously I had been on a loan modification, and except for those two missed payments I had been consistent. A month later I received a letter from a law firm stating that they were representing chase in recouping the XXXX. I then applied for keep your home California -they stated I made too much money for assistance, I responded with I did n't want them to make my payments to see if there was some sort of debt forgiveness. My loan has now been referred to a debt collection XXXX is their name. The original amount has now ballooned to XXXX. I do n't understand how a nationwide leader in the banking industry can shake people down when THE BANK made the mistake. My understanding is that chase is currently involved in numerous case courts due to these unwholesome and greedy actions that Chase had taken. Any help, direction or sources would be deeply appreciated. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX-XXXX-14, when I was only XXXX, an account was opened with XXXX XXXX. The account was sent in to PINNACLE LLC C/O RESURGENT CAPITAL SERVICES for collection for an amount of {$380.00}. At this time I was not even of legal age and nevertheless had no idea of how to apply for credit of any kind. I am positive that I did not open this account. I did not even have a cell phone at the time. I have tried to contact the company but I can not get in touch with anyone who can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX ( a Nelnet company ) is misrepresenting interest and principal balances on my student loans. The loans date back to XXXX and have significant accrued interest. XXXX, the original lender, sold the loans to XXXX in XXXX XXXX. My student loan interest expense was misstated for the XXXX tax year. I contacted XXXX immediately, but the issue remains unresolved despite several attempts on my part to get a resolution ... most recently through CFPB. For reference, my final XXXX statement shows that as of XXXX XXXX of XXXX loan balance on my account, XXXX was principal and the remainder interest. In our most recent exchange through this website, Nelnet has refused to acknowledge the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: NJ

Complaint narrative:
This is a serious problem for me and the second time I had a dispute regarding unauthorized use of my credit repot from XXXX. Last year someone opened a credit card in my name from XXXX XXXX. I am working very diligently to repaid my credit after a bankruptcy in XX/XX/XXXX. On XX/XX/XXXX XXXX did a hard inquiry on Experian. I do not know if its on XXXX XXXX or XXXX. I contacted XXXX and they do not have any info regarding an inquiry. Experian will not look into it stating they can not remove information. So that 's it?? these reporting companies can make their own rules and add info to your reports that affect your life. I have attached correspondence.

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 2017-08-12 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: Village Capital & Investment LLC
State: GA

Complaint narrative:
My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC. I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, XXXX claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, XXXX, with all three credit reporting agencies for them and those hard inquires have not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I just received a statement from Citi stating that I had previously enrolled in Credit Protection, for which I was charged a monthly fee. The letter then states that if I believe I was enrolled without my consent or knowledge of the program costs or benefits, I may go to their website and submit a claim for a " potential refund, '' but the refund is not guaranteed.
I am completely unaware of having signed up for any such program. I did go to the website and submit a claim, but this seems fraudulent and unethical to be able to enroll me and charge a fee for something in which I have no knowledge and did not provide consent for.

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 2017-08-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I never received the letter that was dated XX/XX/XXXX, 2017 with a " handwritten '' signature. I am of the belief that this company is practicing unlawful acts using veterans as their targets. And I do not want any correspondence emailed to me. That is not what I asked for.

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 2017-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.

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 2017-08-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron Equifax itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX  AND XXXX of 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: FL

Complaint narrative:
I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron XXXX itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX AND XXXX of 2017.

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 2017-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
company will not provide me with a forensic analysis of my account to prove that payments made did not go through. I would like the ACH transaction code that goes with each transaction make on the account from the loan original start date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by Navient this year that 5 of my loans with them have become active for payment. I started a payment plan with Navient on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XX/XX/XXXX of each month. Navient is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time Navient responds with no changes made. I have sent written request via registered mail to Navient asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from Navient. I have depleted all of my options and I am very frustrated. Navient is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: HW Holding, Inc
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : Hunter Warfield Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have submitted documents to Chase 3times to refinance my loan that has been with them over 13 years with no late payments. The first refinance they charged me fees and then denied me for having a Jr lien in an amount of less than 4k .. the second time I sent all my documents then signed the documents they then said the interest rate needed to be higher. They would keep running my credit score each time and then say the documents would be lost or delayed due to no fault of my own. And then they said they needed to run 4 time said I had reached the maximum review and needed to wait 12,  months. They have run down my score and ca n't refinance anywhere else and after all this I am still stuck with a 8.75..interest rate which I am sure they are not so anxious to change. The follow up and follow through, communication is horrible. I have sent communication to them along with complaints and have nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am a beneficiary to an IRA account held at Merrill Lynch wealth management. XXXX XXXX, 2017, I completed all paperwork to have my portion of the Merrill Lynch IRA distributed from Merrill Lynch to my XXXX XXXX IRA account. As of XXXX XXXX, 2017 my portion of beneficiary money has not been deposited into my XXXX account.

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 2017-08-12 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off 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 explanation
Consumer complaint received 2017-08-12 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : XXXX XXXX Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 5 private student loans with XXXX that became active this year. I am an active student working on my masters. I was notified by XXXX this year that 5 of my loans with them have become active for payment. I started a payment plan with XXXX on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XXXX of each month. XXXX is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXXwhen {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXXwhen {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XXXX, 120 day late for XXXX, 120 day late for XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time XXXX responds with no changes made. I have sent written request via registered mail to XXXX asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from XXXX. I have depleted all of my options and I am very frustrated. XXXX is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

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