vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good Afternoon. 
I have taken advice from all three paid credit burough service platforms created to help and protect the public. Each paid service also advises on how to increase your Fico score. They also claim to help the consumer tobremove information that is derogatory due to inaccurate reporting..examples : Credit, loans, address misinformation from external sources. 
I have followed the steps to repair, retore, increase Fico and Credit scores from the following : Experian protection and score updates. XXXX two separate and consumer pay for alert and advice..And another service from XXXX. 

I pay each Credit Agency monthly an or yearly. 
I have a complaint and also I feel that I need to advise you that these services have both helped and hurt my Fico and My overall Credit scores. The services heavily push applying for Credit cards and in my case push to apply for personal and home buying loans. 
Hence my score is down. 
Experian will not lock my report. I have upgraded to the highest level of credit protection service and still no help acquiring my Fico.. no help making a dispute ... I have 5 or more incorrect claims in my reports. 
Yet a Store Card sent a letter notifying me that they are lowering my credit XXXX dollars due to information obtained by Experian, XXXX and from XXXX. The card had a small limit of XXXX. I used the card twice. I paid off the card after the first use and I currently have a small balance of which I will pay off and close the account. 
I have other concerns. 
Please help. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan MGMT SER reported on my Credit report ( see XXXX report attached ) and it does not belong to me. I requested a thorough fraud investigation by XXXX  and they changed the status of payment as " Paid '' but I want it removed from my report. Also, " Your Statement '' section is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
Hello - My name is XXXX XXXX. I have had continued issues with XXXX XXXX XXXXXXXX and I need serious help with them. 

I went through a modification with them back in XX/XX/XXXX. In this time they would not take payments from me because they said it was going through the process of modification. This took a year of continuously sending them bank statements and profit and loss statements and so on and so on. I would talk to one person at the company and they would tell me something different then someone else. This would go back and forth of them telling me something wasn't right on the paperwork or they never received it. 
After a year of going through this then they tell me that my mortgage has matured. I knew nothing of this as my ex husband did the loan. I then contacted AHEAD and they helped me to go between the mortgage company. All paperwork was done over again. Back and forth. Meanwhile my payoff amount went from {$49000.00} to {$60000.00}! I filled out the paperwork signed the final paperwork for approval of modification on another fifteen years. Had it notarized as requested by them. Sent it to them and Ahead. I got paperwork stating from them congratulations my modification was approved. Relieved and finally able to sleep at night. However it was short lived. A few days later I get a letter stating oops we were wrong! You need to have your ex husband sign the modification as well. I told them I had explained several times before that this was not an option and that's why I sent them copies of the quick claim deed that he no longer has anything to do with the mortgage and that he has a life time restraining order on him from the courts and was not allowed anywhere near myself or my kids. I told them I've gotten a modification before and they excepted it. They told me they can no longer except that and if he doesn't sign it, my house goes up for foreclosure. As you can imagine I'm devastated about this and losing sleep because Im going to lose my home my family was raised in. I've lived on that land for thirty years and the thought of it being taken away because I can't get a signature from a man that hurt myself and my children is just unreal. Please I just need to know what I can do to save my house. Going to another mortgage company isn't an option right now. My husband and I own a small business and can not get loans at this time. 

I tried making XX/XX/XXXX Payment and now the agent whos ID number is # XXXX said they will no longer except mortgage payments from me because they didnt receive the second set of modifications they sent me with my ex husbands signature on them. 

I dont know where else to turn. 



XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has wrong job information. Correct information for my job is XXXX XXXX. This is where I been since XX/XX/2008.

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 2018-04-20 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have had the same student Loan for over 23 years. It is was through XXXX XXXX and now is with Navient. 

The original loan amount was for {$16000.00}. Since being sold to Navient my loan is now at ove {$30000.00} due to Navients fees and interest during an ongoing reduced payment plan which started roughly 4 years ago. 

When they put me on this new payment plan,. at no time was it explained to me that the adjusted payment wasn't even covering my interest ... not even by half! Now they have tacked on over {$10000.00} to my original loan and are telling me my adjusted payment iwill be in the {$300.00} 's per month which I can't afford. 

Either way I feel their lack of disclosure is predatory and I will be paying on these loans for decades to come. 

Doesn't seem right, Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: ID

Complaint narrative:
Got a call about a debt 14 years old from an old overdrafted account that was from US bank and US bank has no record of it. This has been going on for a week or so now it is now XX/XX/XXXX, their first call threatened to call my HR at work. He tried saying that because the bank is FDIC insured that that circumvents the 7 year statute of limitations. Again US Bank has no record of any of this at all.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputing a debt showing on my credit report by XXXX XXXX for the amount of XXXX and XXXX

 I submitted a dispute on XX/XX/2018 via here I sent both my social as well as I requested from the company to show proof that it was my debt the company is saying that they sent debt validation which is not true all they sent was a paper that says XXXX XXXX XXXX and XXXX XXXX XXXX via here.

 Just sending a paper that shows someone's name similar to mine does not make it my debt no idea who either of those two people are and why is there a debt that is been said that is mine when is not.

No history of payments or written contract has been sent showing and reflecting that both of the debts are mine.

This is affecting my credit worthiness and my ability to obtain credit  I need both of this debts to be removed from the credit bureaus as well as  for this debt to be taken out of my name never had the accounts that it continues to say that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America stated I had a personal credit card account with them that they filed a claim for in my personal bankruptcy of XX/XX/XXXX. The account in question was not with BofA and was a XXXX XXXX XXXX   business credit card account. 

BofA has fraudulently posted and reported a derogatory business credit card account to the major bureaus since XX/XX/XXXX. I have complained to BofA and they have recently sent me out the account history for my XXXX XXXXXXXX business card. I asked first for my business contract between XXXX XXXX and my self for these charges. BofA has lied to the CFPB and me about saying that because the credit application is 13 years old, it is not available. That is a complete fabrication and lies because BofA like with many of their mortgage loans they take over, they do so without the appropriate assignment notice to debtors ( Which would not be 13 years old ) and they do not have those documents, I was never noticed and they can't produce that notice either. Prior litigation we are investigating shows BofA plays fast and loose with the assignment of debts it buys and trades. I have received a call from a FTC investigator regarding BofA 's games for a regulatory offense. I'm waiting on more documents of other information XXXX XXXX is secreting and a final decision from her or her supervisor I have reached out to for resolve before I speak to investigators. 

Apparently there is an ongoing history of contract fraud and document fraud on the part of BofA and its outside and/or third party loan servicing I wasn't previously aware of .... I believe it's now my duty now to see that justice is done for all the other people who have been harmed by BofA. This all started out as an incorrect reporting of information into my report/s from a Business account XXXX XXXX   Card and now it is quick evolving in to an SEC and FTC investigation. In light of XXXX XXXX continued acts and BofA coverups, I'm sure she will be subpoenaed to answer for her actions and BofA cover ups, she is destined to be a real shooting star here. Way to go XXXX XXXX, you have opened BofA up to millions of dollars worth of damages/fines .... I'm sure that won't bode well for your great XXXX page and resume.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX Mortgage reporters XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX Tenant Screeners 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 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sherloq Group, Inc
State: FL

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: MA

Complaint narrative:
In 2016 the borrower passed away I called them told them I was on XXXX and he had passed away and left me some life insurance they said I had to wait a year and after the year they said they don't refinance .... They also denied modifications I applied for now I had to sell my home of 15 years

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 2018-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services purchased my mortgage from XXXX XXXX XXXX and began servicing my loan on XX/XX/XXXX. At the time I had an open property damage claim due to Hurricane Irma. As of today XX/XX/XXXX, I have submitted all requested paperwork to them to have a check issued to pay 1 of 2 final draws to my contractor. The inspector that was assigned by Carrington came and inspected the home on XX/XX/XXXX and identified the home as 75 % complete in repair., and requested payment from the escrow on my loan. As of XX/XX/XXXX, Carrington still refuses to issue the promised draw amount which is in excess of {$11000.00}. They are holding over {$22000.00} of insurance funds, and will not release those funds nor will they explain why or request any additional documentation. As of today XX/XX/XXXX I have final inspection scheduled and their refusal to release funds have caused me to breach contract with my general contractor. I call Carrington on a weekly basis to check the status, and every time I call no one can provide an answer, and their response is always that it will take 5-7 business days to review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX. Is attempting to collect a medical debt that originates from XXXX XXXX XXXXXXXX XXXX in the amount of {$440.00} from XX/XX/2017 that I do not owe because I had medical insurance through XXXX/Medicaid and it is highly impacting my credit and has been for some time now. I want it removed in full from my credit immediately and the status of the debt changed to paid in full immediately. I will prove I have/had insurance by attaching a current copy of my medical card. I had insurance at that time and I know this was paid for by my insurance so I want this matter resolved quickly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Equifax in the past and the information was not changed after their " investigation ''. Please update this information immediately as it has hindered my ability to obtain credit and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have been trying to resolve payments issues with my Loan Service Co, by I have not gotten a response. 
Here is my last communication with Rushmore : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XX/XX/XXXX at XXXX XXXX  Hello, I have been trying to get a response regarding the rejection of a payments send on XX/XX/XXXX in the amount of {$10000.00}. I never heard from you or other Rushmore Loan Management employees regarding my request. I have requested repeatedly from XXXX XXXX, but he has gone into silent mode now, perhaps with the intention that all be be forgotten on my side. 
Additionally, Rushmore Loan Services keeps adding late fees to my account, continues reporting me and my wife to the credit bureaus for nonpayment, and is still adding taxes and insurance to the bill at a time when I have sent proof of payment of Real Estate Taxes. 
Specifically, although I made another payment in the amount of {$10000.00} on XX/XX/XXXX that is not reflected in the mortgage statement thereby my bill for the month of XX/XX/XXXX amounts, incorrectly though, to {$12000.00} with late fees totaling {$180.00}. 
After I failed in my repeated attempts to reach XXXX XXXX, who did not respond to my calls, in my last conversation with you, you personally to remove late fees and resolve other issues related to my account. 
Please respond to me request and resolve the billing issues. I have attached two documents with this email showing payment in my side and a bill that does not reflect my payments Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX T. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I applied a Chase credit card and it got approved. I waited for a week to get the card. But when I received my credit card, I also got a letter about they are going to close my credit account at the same time. I don't know why it happened. If they don't want issue me a credit card, they should just disapprove my application. Not send me a card and also told me my account will be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have no knowledge of account. It shows XXXX but I havent had XXXX in nearly 10 years.

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 2018-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are unauthorized Inquiries on my Equifax Credit Report that I did not due or Authorize. By law due FDCPA the Credit Bureau needs to Delete them. I've contacted Equifax spoke to several Supervisors and they said it would be deleted within 72 hours. Please provide me with Physical Documentation that shows I authorized these or I will be filing a Civil Lawsuit against Equifax & the CEO. I am a Victim of Identity Theft & the Equifax Breach. 

Please Delete the Following Credit Inquiries : XXXX  XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Assoc. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief