vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AES/PHEAA
State: MN

Complaint narrative:
I will try to be as brief as possible. I have submitted my DTR last year I have recently received an email stating no determining descision has been made and that communication with Fedloan servicing would be made as well. I then received notice from Fedloan in an email stating they were going to automatically take money out of an account I removed from their auto pay several years ago. I did this when they illegally drained my bank account of over XXXX use. I was left panicked and drained unable to eat sleep or much of anything else. I lost my job I went off the deep end. I ended up getting this back by disputing all of it. This email from Fedloan was followed up by a personal phone call. I demanded to know why they took me off my administrative forebarrence. They replied " I do n't know after several calls and emails removing the account and their ability to drain me again. I also requested any all all documents and a review with a reason why they removed my DTR rights! This was all requested the 1st time XXXX XXXX 2017 and again on XXXX XXXX 2017 and now again today XXXX XXXX 2017. These loans are fraudulent loans I have a letter from my states attorney citing the " holder clause '' and many other fraudulent practices made by the XXXX XXXX XXXX XXXX. Now I continue to have to go through XXXX! This will not continue! I am not a XXXX I am not your puppet! Take me to court in XXXX!  The federal government has been paid back by XXXX my debt is a result of all their fraud! These loans are fraud! They must be removed from any and all collection agencies and all other affiliated or non affiliated us government made agencies. I have proof these are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

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 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
In XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX, XXXX, XXXX XXXX, XXXX, ME advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XXXX of XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX, XXXX, XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: VA

Complaint narrative:
Purchased a vehicle for {$24000.00} in XX/XX/XXXX. Vehicle was totaled on XX/XX/XXXX. XXXX XXXX Received a check for {$12000.00} and a check for {$7300.00} all with in a two month span. They reported the credit bureau a lesser amount and also have me paying {$3500.00} in interest. They no longer have the title and are under reporting on the credit report stating that I will be finish paying the loan off in XXXX. It 's already paid off. They said today they waived {$6000.00} in interest. Where? I should not owe anything.

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 2017-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
I have been in contact with this company since  XXXX   2016  regarding my balance on my account. There was a double transaction made for a purchase someone did with me  and   one of  there charges was disputed. Since then my account was permanently closed but I still have a {$500.00} balance remaining that they will not release. I have called and emailed numerous times and keep being told to verify identity and afterwards I 'm told the account has to remain closed. I have expressed I will NEVER use them again so it is fine to close my account but I am entitled to my money. I contacted someone on  XXXX   XXXX  and after looking they had me send in a form for a Google wallet balance refund request and I was advised that it would take 10 days to deposit into my account. I called back on  XXXX   XXXX  and spoke with someone else that said it was don e but a specialist ne eded to review the account and how they had been trying to refund since last year but the bank account on file was no longer active. I was told I would get a follow up on  24-48 hour s and again I heard nothing!! I called back again on  XXXX   XXXX  and a representative had me refill out the form while he was on the phone and ensured me I would be refunded my balance on the account. However the next day I received an email saying he sent it to a  specialist  and they have to investigate prior to my refund! It has been a year and 7 months this company had my money. How much investigating can you do!!!! I would never recommend this service and for it to be  Google  o expected way better service than what I have been given. I will be closing every last gmail service accoun t I o wn and never using them again!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: MD

Complaint narrative:
Contacted Equifax, XXXX and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 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: NV

Complaint narrative:
I called Transunion on XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no Transunion score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?

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 2017-07-25 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: Perfection Collection
State: MO

Complaint narrative:
First, I checked my credit score and found that Perfection Collection LLC had placed a collection on my credit. I found out from the company that they purchased my account from another collection agency who settled my account. After speaking to a representative through the BBB, I was informed by Perfection that they never communicated with me by phone or letter, but placed a collection on my account which violated my rights. I never had any signed document with them neither do that have a written document or agreement with me. I am asking assistance to have them remove their name from my credit report ( were my rights have been violated ) and not to place anything or any information pertaining to my name or personal information. Please help with this matter. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Omega RMS, LLC
State: CA

Complaint narrative:
The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2012-I filed for Chapter XXXX due to multiple issues. The mortgage on my property was under XXXX. In the Bankruptcy process they sold the mortgage servicing to a company XXXX XXXX  XXXX. My Chapter XXXX is final this month and I am selling the property. Upon Title search, a second mortgage surfaced-This was also through XXXX. This second mortgage did not appear on a credit report nor did it come forward during the Chapter XXXX processing. This company is Real Time Resolutions who is a debt collector that XXXX has assigned this second mortgage collection to and they stated this is an open account and interest has been accruing. XXXX has been underhanded in not coming forward for the Chapter XXXX and I want to further understand how I can move forward against them. I understand they are currently under investigation and I will be starting a lawsuit as now I am losing potential buyers due to the deception of this company. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Corporate card payment remittance from employer to American Express was delayed to due internal payment processes outside of my control and resulted in assessment of fee. Attempt to resolve fee with card provider led to opening of case that was never resolved. Subsequently closed down account though card provider continued to compound fees for underlying charges that were already fully paid by employer over course of 5 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
A COMPLETE modification package was sent in and the review process started. XXXX documents were requested by SLS and sent in that same day. On XXXX SLS stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XXXX. SLS is dual tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. SLS is discriminating against XXXX XXXX based on her race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert her legal right in district court naming SLS as a defendant

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 2017-07-25 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: MD

Complaint narrative:
Contacted  XXXX ,  XXXX  and Transunion about removing multiply inquires off my report. I called by phone  XXXX   XXXX  ,2017 a d also faxed out letters  XXXX   XXXX  ,2017  that were sent certified. Called  XXXX / XXXX  /2017 and   was transferred to the wrong department. There are  XXXX  inquiries which most of them I did not giver permission to wrong 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 2017-07-25 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: MD

Complaint narrative:
Contacted XXXX, Experian and XXXX about removing multiply inquires off my report. I called by phone XXXX XXXX,2017 ad also faxed out letters XXXX XXXX,2017 that were sent certified. Called X/XX/2017 and  was transferred to the wrong department. There are XXXX inquiries which most of them I did not giver permission to wrong 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 2017-07-25 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I called XXXX on XXXX-XXXX-2017 and informed them I had been denied credit due to there not being a score for me at their company. I was informed that I could get a credit report, but no score until I paid them money. Any resource I look for online for them requires payment. I can not go back to the lenders that say I have no XXXX score with a report with no score. Also as to trying to find out this information and multiple applications to discover the info from all 3 credit bureau 's. My credit report now shows multiple requests and that lowers my score. Remind me how these companies are supposed to be good for the consumer?

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 2017-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
My wife called ERC Monday on XXXX.17 in order to get information about a a debt reporting on my credit report. She explained that the equipment was stolen and asked for contact person and phone number directly to XXXX XXXX XXXX, so that we could call them and resolve this matter. She spoke with XXXX XXXX, he refused to give her any information to contact the creditor. He just kept trying to get us to settle. What she tried to explain to him was we should n't be paying for equipment that was stolen, she did n't think it would be such an issue to get information so that we could figure out what exactly is going on with this account. Being that equipment was stolen, I do not understand how ERC is trying to collect on stolen equipment. XXXX stated that we could pay settlement or that he would open a dispute with XXXX. However, I have no paper trail or confirmation that this is actually happening which cause grave concerns for me. She asked him how long would the dispute take with XXXX, his response was I am not sure. They can take as long as they need to respond to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I received my monthly bill late on X/XX/2017 with a due date of X/XX/2017. My new bill shows an increasing in my interest rate from 27.99 % to 28.24 %. There is no notification why the rate interested. I paid the minimum payment on time for the previous XXXX bill. I tried to contact American Express multiple times at XXXX but the automated system will not give me any information about my account when I enter my account number or forward me to someone in customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with Transunion, XXXX and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

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