vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed account  XXXX   XXXX  multiple times with Transunion and they continue to remove the account from my credit report. I do not owe this creditor they are charging for a dental service I never received due to me calling in and canceling my appointment a  XXXX  week prior to the appointments date. I sent a certified method of verification request to them on   XXXX   XXXX   XXXX   and it was delivered on   XXXX   XXXX   XXXX   I have not received any evidence supporting the creditors claim that I owe the debt of {$170.00}. This account has hurt my  credit score tr ememdously and continues to do so everyday this account is allowed to remain on my credit report. Transunion has not responded at all to my method of verification request and it has been well past the  XXXX  days that they have to answer to my request I want this account removed from my credit report.     On the same Method of Verication request I listed the following account   XXXX   XXXX   requesting for the information they used to verify this account and the same as the above applies I have not recieved any thing from TransUnion in regards to the  Method of Verification re quest I sent to them. I want this account removed as well. TransUnion seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.

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 2017-05-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
XXXX   XXXX ,   XXXX   My elderly Mother  XXXX   XXXX   XXXX  who suffers from a host of medical concerns that include, but are not limited to ;   XXXX   XXXX   ( legally  XXXX  ),  XXXX   XXXX   (    XXXX   XXXX   ),  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX   XXXX   XXXX   was instructed by Vanderbilt Mortgage  (   XXXX   XXXX   XXXX   )  to delay making her monthly payment until after the first of the month. This instruction was issued without any loan modification agreement to reflect any changes in her payment schedule based upon her current loan agreement.   I have had an opportunity to obtain and review a Vanderbilt Mortgage 's " Early Foreclosure intervention '' document dated  XXXX .   It certainly raises concern that Vanderbilt Mortgage is advising a customer to delay remittance of payment in an attempt to place the account holder in a " foreclosure '' posture. The account holder owes approximately  XXXX  on a property valued at  XXXX  and refuses to release the lien on an attached parcel valued at  XXXX .   This type of behavior by any lender is despicable and absolutely intlolerable.

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 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have been trying to get a validation of debt from  CONNS CREDIT CORP si nce  XXXX    XXXX   still no luck I have sent many dispute letters through all credit bureaus never received a answer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: GA

Complaint narrative:
I have disputed the account on my credit report  XXXX   XXXX ,  XXXX  {$540.00} multiple times with Experian and they continue to not remove the account from my credit report. I do not owe this creditor this account does not belong to me. I sent a certified method of verification request to them on  XXXX   XXXX ,   XXXX   and it was delivered on  XXXX   XXXX ,   XXXX  . I have not received any evidence supporting the creditors claim that I owe the debt of {$540.00}. This account has hurt my  credit score  tremendously and continues to do so everyday this account is allowed to remain on my credit report. Experian has not responded at all to my method of verification request and it has been well past the 15 days that they have to answer to my request I want this account removed from my credit report.     On the sam e Method of Verification r equest I listed the following account   XXXX   XXXX    {$12000.00} requesting for the information they used to verify this account and the same as the above applies I have not received any thing from Experian in regards to the  Method of Verification  request I sent to them for this account either. I want this account removed as well. Experian seems to not adhere to laws meant to protect consumers rights and continue to not conduct real investigations into consumer disputes and continue to allow creditors to not have provide any supporting information verifying the debt is real.

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 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Since  XXXX    XXXX   I have been trying to get a validation of debt From  LVNV FUNDING, LLC  on this account and I have n't received a response this negative error is preventing me from making big purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
This is in response to  XXXX  that I filed and  NFCU  responded. There was a second part that was not addressed, even with a follow up email.     Because of my financial situation my house nearly went to foreclosure a second time. I called to bring payments current a few days it was scheduled to go to the foreclosure attorneys. I was told I had to repay the arrears AND the fees to the attorneys for the foreclosure. I asked why I would need to pay attorney fees for it going to foreclosure when I was making payments prior to it going. I was told I had to pay the attorney fees because my mortgage met the criteria and had already been voted on to go to foreclosure. I could not make a payment for any amount unless I paid for attorney fees. I am not sure of the exact time frame this occurred. I know there was a huge storm on the   east   coast and my call was sent to a person in Florida to handle because no one was able to get to work where they normally take care of mortgage collections.     Honestly, I do n't expec t NFCU to handle this request any different than the other complaints I have submitted to the various organizations. NFCU has proven time and time again they are incapable of policing themselves and doing the right thing. It really is pathetic that NFCU  treats veterans the way they do, serious lack of integrity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I attended  XXXX   XXXX   XXXX   XXXX  at which time I had taken put student loans. At the time i was empoyed with a position that paid higher than i would have received following completion of school. I was able to do a deferment a couple times, then became homeless for some time. I tried to set a deferment based on my circumstances. However it was denied becuase i had already defaulted. For a year p r two i  was receiving statements from   XXXX   XXXX  ,  XXXX  And federal student aid. Over the years I have been garnished my wages, had tax returns taken ; {$1500.00}, {$5400.00}, {$4700.00}, {$3800.00}, {$750.00}, my original loan was {$5600.00}. I was told i woud recieve notice where my tax rerurns were applied, I never received anything. To date i owe {$26000.00}. I have spent the last  three  years serving as an   XXXX   XXXX  , during the terms of service i am allowed my student debt to be free of any interest from incruing. They respond that I have no accounts with them, deny my request then i receive notification of my debt owed to them. Unfortunaty, i have had several   XXXX   XXXX   XXXX   since tgen, resided in a   XXXX   XXXX   XXXX   years, was unable to qork for several years due to a   XXXX   injury. I will have to research and try to obtain supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
First of all I am not sure if this is identity theft of just a debt that is not mine. I received a transmittal fro m Transworld Systems Inc. date d  XXXX / XXXX / 17  for  XXXX  from a client named  XXXX   XXXX   XXXX    XXXX   XXXX   in  XXXX  ME. I called transworld on  XXXX / XXXX / 17  and was advised to contact  XXXX  directly. I called  XXXX  on  XXXX  and spoke to  XXXX  at  XXXX  and she informed me that the identity did not match and that she would n otify Transworld .  I received a letter from Transworld on  XXXX / XXXX / 17  stating that they would like to apologize for sent me a collection letter in error.and to be assured that this had been corrected. Today  XXXX  I received a letter from  XXXX   XXXX   XXXX   XXXX  in  XXXX  ME with the same account number but for  XXXX ! I called  XXXX   XXXX   and they said we did not send the letter, Transworld did. I then called Transworld and we went round and round again and they denied sending a letter saying that it wa s an error and could not explain both the difference in the amount owed and also the difference in the original biller. I spoke to  XXXX  the first time and he hung up on me then I called back and got  XXXX  again and asked for a manager  XXXX  and she could not make any sense out of it other than to blame the original billers!!  XXXX   XXXX   also  denied me having a bill for  XXXX . This has been happening to me over the last year and not just medical bills but also credit card bills. Several charges appeared on my credit cards that I did not make. I am so not sure what to do about this problem. The account number with Transworld is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: GA

Complaint narrative:
I have wrote  XXXX ,  XXXX , and Equifax on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified. Equifax said they will removed but still fail to do so.   XXXX   and   XXXX   said they verified but the court said they did n't verified threw them. This item is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: GA

Complaint narrative:
I have wrote  XXXX , TransUnion, and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.  XXXX  said they will removed but still fail to do so.   XXXX   and transuion said they verified but the court said they did n't verified threw them. This item is not mines

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 2017-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have wrote Experian,  XXXX , and   XXXX   on many occasions about a dismissed bankruptcy chapter  XXXX  and ask how they verified.   XXXX   said they will removed but still fail to do so. Experian and  XXXX  said they verified but the court said they did n't verified threw them. This item is not mines

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 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have been trying to get validation of debt on this account Since  XXXX   2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all  XXXX  credit reporting agencys still no response. This error is making it difficult for me to be approved for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed a Mu ltiple Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017  and they completed the request on  XXXX   XXXX ,  2017 . The request that I submitted included  XXXX  Hard Inquires that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST  be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
O n  XX/XX/XXXX , I wrote to Equif ax to let them know that a lien going back to  2001 still re mains on my credit report. I also let them know that  XXXX  and  XXXX  had already removed this lien which was showing beyond the maximum period of 7 years.   Equifax never responded to my dispute and the lien continues to show on my credit re port four mont hs later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: CA

Complaint narrative:
I was searching to refinance my home loan in the month of  XXXX  with several lenders over the phone. I was asking each and every lender what my new monthly payments would be based on a 30 year fixed rate  XXXX  points on our balance we owed. The quote that I received from a sales manager  XXXX   XXXX  NMLS #  XXXX  from Contour Mortgage attracted me since he stated clearly to me over the phone that my new monthly payments would be $  XXXX /month a savings to us of $  XXXX /month. I decided after comparing quotes I received from the other lenders to go with  Contour  Mortgage. I spent {$450.00} on an appraisal, over {$100.00} to fax documents from a  XXXX   XXXX  and {$35.00} to cancel a check on account of this loan only to learn near closing that our new monthly payments were actually going to be $  XXXX ./month and not $  XXXX ./month as he told me when I made my decision to pick his company. I emailed the branch manager  XXXX   XXXX  NMLS  #  XXXX  on    XXXX   XXXX  2017  and told him that I was misled by his dishonest sales  manager   XXXX   XXXX  and was seeking a refund of my money spent on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to file a complaint about our experience with purchasing flight tickets with Chase Ultimate Rewards. We booked 5 tickets traveling from XXXX XXXX to XXXX on XXXX XXXX by XXXX, the departure time is XXXX XXXX on XXXX XXXX. When we checked in at the XXXX XXXX counter, we were told the flight already departed at XXXX XXXX We were shocked! <P/>The manager in XXXX XXXX explained that the flight time of flight XXXX XXXX has been changed from XXXX XXXX. to XXXX XXXX, they said that they did notify Chase about the change, but are not sure if Chase sends notifications to passengers who booked tickets through Chase. We were fortunate that the manager was being very helpful and was willing to help us reassign five tickets from XXXX XXXX to XXXX with a layover in XXXX on XXXX XXXX. We finally arrived XXXX at XXXX XXXX  XXXX time, which is 9 hours delayed from our original arrival time. We appreciated XXXX XXXX help since this is not their fault at all. <P/>On the contrary, we received an email from Chase notifying us about the flight schedule change on the day of our flight to XXXX, but the notification is about the department time for the inbound flight. The email shows that the flight from XXXX to XXXX XXXX on XXXX XXXX would depart 30 minutes late. Whats interesting is that it still displays the outbound departure time to be XXXX XXXX Because of this is the most recent email we received from Chase, we assumed this is the most updated flight information and therefore we missed out outbound flight. <P/>We were upset that Chase didnt notify us about the flight time change. We never received any emails or phone calls about the change. Although Chase sent an email to notify the inbound flight time was changed, Chase should also display the updated ( new ) outbound flight time on the most recent email. In fact, when I logged on to your website up until now, the outbound departure time for our outbound time still shows XXXX XXXX <P/>Instead of arriving at XXXX XXXX., we arrived at XXXX XXXX, we lost 9 hours dealing with our flight change request and layover. We also missed the prepaid activities that we originally booked. We basically missed one day in XXXX We are loyal customers of Chase and Chase Ultimate Rewards, this is the first time for us to have to deal with drastic flight time change, hauling luggage between terminals It affected our mood and our precious vacation time. Thank you for offering the opportunity to explain our frustration. <P/><P/>Best regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On  XXXX   XXXX , I wrote t o Ford Motor (  with a copy to  XXXX   )  a second time to have them report my loan information to    XXXX  . They have been reporting to both   XXXX   and  XXXX . This is positive information which would help to increase my   XXXX    score if it were to be reported.     Neither Ford nor  XXXX  ever responded to my dispute and now  XXXX  months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my  XXXX  score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On  XXXX   XXXX , I wrote to  XXXX   XXXX   ( with a copy to Equifax ) a  second time to have them report my loan information to Equifax. They have been reporting to both  XXXX  and  XXXX . This is positive information which would help to increase my Equifax score if it were to be reported.     Neither  XXXX  nor Equifax ever responded to my dispute and now four months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my Equifax score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested my credit file not my report, I needed to know what paperwork/contents were, how  Trans Union  and   XXXX   was verifying erroneous account information. Under section   609 of FCRA I am entitled to this informations, All companies refused, the reps have no idea of this act or section I was referring to.
I last spoke to Trans Union    XXXX / XXXX /  XXXX  , the reps and supervisors do n't know the difference between a credit file which should contain, contracts with my signature for each creditor, I asked for who verified the information, how it is being verified This fell on deaf ears.   I am disputing an fraudulant account

Company response to consumer: Closed with explanation