vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-05 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: OH

Complaint narrative:
I just recently received a copy of my credit report. I have filed a Identity theft report. I was XXXX for 5 years. I noticed multiple accounts that were opened while i was in XXXX. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX 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 2019-02-05 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: OH

Complaint narrative:
I just recently received a copy of my credit report. I have filed a Identity theft report. I was incarcerated for 5 years. I noticed multiple accounts that were opened while i was in jail. I did not open these accounts or gave anybody permission to open these accounts. Please remove these accounts as do not belong to me. 
accounts are XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: KY

Complaint narrative:
Property Taxes/Ecsrow Account Delinquent due to non payment by LoanCare. I mailed my Property Tax Statement to LoanCare on XX/XX/XXXX. As of XX/XX/XXXX, my property taxes still have not been paid. I have called numerous times, emailed customer service numerous times, have been told that the payment will be mailed by " Friday '' numerous times and they STILL have not paid my property taxes!! I have attached my documentation of phone calls and conversations with dates and names of people that I have spoken to. I am very dissatisfied with the service of LoanCare!!

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 2019-02-05 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: TX

Complaint narrative:
Transunion allowed fraudulent credit inquiries on my TransUnion credit report. I am requesting these to be blocked I am a victim of identity theft. These are the result of ID theft. XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  were not authorized these are the result of identity theft please block this inquiries these are fraudulent. I did not authorize these.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan was transferred over to XXXX XXXX In XX/XX/XXXX as the result of me filling out paperwork regarding student loan forgiveness for being a XXXX XXXX. Prior to this transfer and after this transfer I was making additional payment towards my loans above what was due monthly. These payments were applied towards future payments and each month I would receive a statement that no payment was due. I eventually stopped making these additional payments and continued to receive statements that no payment was due. Around XXXX of XXXX I received a statement indicating that a payment was due and that all of the payment would be applied to outstanding interest. Subsequent statements after this indicated the same. When I contacted XXXX XXXX they indicated interest was accumulating the entire time and that I would have had to have made payments each month to cover that interest to avoid this. The company did send me a payment history that indicated each payment received a part of it was being applied towards principal and part of it was being applied toward interest so it didnt help explain why interest would still be do. 

The underlying issue is the statements received during XXXX through XXXX never indicated payment was due during that time and made no mention that interest would continue to accrue and payment would need to be made to avoid this. The way the servicer applied my payments and issued statements was an unfair and deceptive act and practice as the statements should have indicated interest was accruing and a payment should have been in fact due to keep the loan current. This ultimately has made my loan cost significantly more in interest that it should have causing harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
OnXX/XX/XXXX,Iwasinvolvedinacaraccident(atnofaultofmyown)andmyvehiclewasdeterminedtobeatotallossbytheotherparty'sinsurancecompany.Iwasinstructedbytheinsurancecompanytosurrenderthekeys,vehicle,registration,etc.Isignedlegaldocumentsthatwerenotarizedgivingtheotherparty'sinsurancecompanypowerofattorneytocompletetherestofthepaperwork.
IcontactedSantandertoinformthemoftheaccidentandtheotherparty'sinsurancecompanyalsocontactedSantandernumeroustimes.OnetimethattheycontactedSantander,Irequestedtobeonholdtoensurethatcontactwasmade.TherepresentativeverifiedthattheymadecontactwithSantander.
OnXX/XX/XXXX,IreceivedaTotalLossLetterfromtheotherparty'sinsurancecompanyshowing,infact,thatthecarwasatotallossandtheyarepayingout{$21000.00}toSantanderConsumer.
Sincethen,SantanderConsumerhasinaccuratelyreportedonmycreditreportthatIhavebeenlate,chargedoffmyaccountstating,"chargedoffasbaddebt/profitandlosswriteoff'',closedmyaccountonXX/XX/XXXXandsaysthatIhaveabalanceof{$26000.00}.SantanderevensentarepossessioncompanytomyhomeinXX/XX/XXXXataverylatehour,ringingmydoorbellanddisturbingmyfamily.Iprovidedtherepossessioncompanyacopyoftheaccidentpolicereport,totallossstatementandeventheaddresstothewreckingcompanywhotookthevehicleonthedayoftheaccidenttoprovethatthevehicleisnotinmypossessionandwastotaled.
OnXX/XX/XXXX,Santanderreceivedpaymentfromtheotherparty'sinsurancecompanyintheamountof{$21000.00}andthepaymentwasconfirmed/verifiedbytheotherparty'sinsurancecompanytohavecleared.
Theotherparty'sinsurancecompanyprovidedmewithacopyofthecheckthatwassenttoSantanderandthatcleared.
ThishascausedsuchofabigissuethatIcannotevenfilemyGAPinsurancetocovertheremainingbalanceofthetotallossbecauseoftheinaccuraciesandhasseriouslydroppedmycreditrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Just recently received ( XX/XX/2019 ) this notice in the mail with no return address dated XX/XX/2019, asking XXXX XXXX to give them my banking information, and a copy of my car loan. This company Portfolio Recovery has already withdrew money from a bank account that they have access to, they ( Portfolio Recovery ) goes to that bank account to get funds monthly, there is no need to to continue to get information that they already have. This company has also failed to produce a signed contract that I've signed to prove the money owed on this alleged debt, but still continues to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMS-Recovery Management Services, Inc.
State: AR

Complaint narrative:
RMS has contacted me about 2 student loan debts from XXXX XXXX   XXXX XXXX. One in the amount of {$6000.00} and the other around {$5000.00} ( estimating amounts ). I have attempted to call them to dispute and wrote a letter stating DO NOT contact me further about this debt as I was in a BNK CH XXXX in XX/XX/XXXX-XX/XX/XXXX and this debt was paid in full. I continue to get notifications from the collectors each year about this loan whereby once I contact them and let them know I was in BNK and the law states do not contact me they cease and decease. RMS continues to try unlawful tactics to collect on this erroneous debt. My BNK was successfully paid off and all creditors should have received notification from the US Federal Court in Texas. I wish for them to not contact me or try to collect on this erroneous debt. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: FL

Complaint narrative:
I had a FICO score of XXXX. I have 2 credit cards, XXXX XXXX  and XXXX XXXX. I read on line with Experian credit agency that it is best to pay off my credit cards every month. I did print this info from Experian. Now in XX/XX/XXXX. I had a Fico score of XXXX. My credit card people sent to Experian a " snapshot '' of my credit card balance. I followed the rules of Experian that I read and paid off both of my credit cards, sometimes I make several payments to my credit cards to make a good credit score and to avoid finance charges. On XX/XX/XXXX. Experian notified me of a loss of 16 Fico points due to I had no balance on my cards. They subtracted 16 Fico points which dropped me down to XXXX. I called Experian customer service to explain to them that I have proof that I DID USE my credit cards. Experian was extremely rude and basically laughed at me. I called to XXXX XXXX to issue another " snapshot '' ( that`s what they called it ) on XX/XX/XXXX, of my account balance at that time which was {$130.00} to Experian. Experian REFUSED to give me back my lost 16 Fico points and now they taking revenge out on me cause I proved them wrong. Experian did an update again on XXXX and on XX/XX/XXXX and still refused to give me back my Fico points. I have read that Experian is NOT the best people to deal with in these situations. Also, Experian in my profile with them, it states " FEW ACCOUNTS PAID ON TIME ''. I have NEVER BEEN LATE ON ANY MY CREDIT CARDS OR ANY BILLS. I was turned down by 2 visa credit cards due to their errors which they refuse to fix. I asked them where can I get a copy of their " rules or laws '' stating how many Fico points to added when a good credit review. Right after I received these 2 credit card, I applied for 2 other VISA credit cards but were turned down due to Experian errors they put in my report. Now I have 4 inquires on my credit report and Experian has subtract Fico points from me back in XX/XX/XXXX, when I never got those 2 Visa credit card due to their fault. Thank you for any help to get this worked out.

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 2019-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Recovery Solutions Group, LLC
State: FL

Complaint narrative:
They call me more than ten times in a row nonstop within a few minutes, no break between calls, at XXXX daily during my doctor appointments when I can not answer or whenever. Date XX/XX/2019 and every day before for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I am in the process of buying a new car, calling around various dealerships and getting price quotes. Throughout the day yesterday, I spoke on the phone to XXXX XXXX, salesman at XXXX XXXX in XXXX, Illinois. I explained to him, in no uncertain terms, that I am looking for an out-the-door price on a 2019 XXXX XXXX XXXX XXXX. I explicitly stated that I will not be financing through Nissan so DO NOT include any rebates or special offers that are dependent on financing. He indicated that he understood and said he would call back after speaking to his sales manager. He called a few minutes later with a price quote of {$23000.00}. I asked for repeated confirmation that this was the car I was looking for, that the price includes all fees/taxes/registration/etc., and that he understood that I would absolutely NOT be financing through Nissan. HE thought my persistent need for confirmation to be amusing and assured me that he is honest, straightforward, and was not going to give me the runaround.

Low and behold, I arrive at XXXX XXXX a few hours later and it goes something like this : XXXX : Sorry, the price I gave you is only if you finance through Nissan. 
Me : XXXX I told you a thousand times that I would NOT be financing. 
XXXX : Yeah, I know, my bad. It will actually be {$1500.00} more if you're not financing. 

I understand that car salesmen have a reputation for being XXXX but this is getting into very deceptive territory. If you are and entity selling a product ( cars ) AND financing, and a customer calls asking for only the product, it is dishonest, deceptive, and outright XXXX to lure them in with a price that you know you will not sell for. I gave XXXX every opportunity and all the information he needed to give me an accurate price and he chose not to. It is possible to negotiate without being outright dishonest but it looks like this isn't a principle that Nissan holds its employees to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint is fraudulently reporting information to the IRS. Shellpoint is holding my mortgage payments in escrow without my permission. They are not applying payments to my principal or interest. Shellpoint sent me a XXXX for XXXX indicating that I only paid {$3900.00} in interest when in fact this amount should be closing to {$15000.00}. My principal loan amount is at least {$10000.00} higher than it should be. 
In addition, Shellpoint has recorded late fees on my mortgage month after month even though I have never paid a payment late. 
This all started with a Hurricane Irma Federal Forbearance plan. I was given the opportunity to skip payments in XXXX, and was told that the skipped payments would have no affect on my mortgage, my credit, and I would incur no late fees. Without my knowledge, Shellpoint begin the process of trying to modify my loan. I'm being forced into a loan modification. The loan modification documents that I was sent show a principal loan amount of {$390000.00}. The loan amount should be around {$380000.00}. The loan modification documents address that approximately {$26000.00} in mortgage payments are being held in escrow ; however, they do not address if and how the payments will be applied to my mortgage. 
To fix the issue, please have someone call me to explain how the approximately {$26000.00} in mortgage payments will be applied to my loan. Also, please send me a new XXXX  showing the correct amount of mortgage interest in paid in XXXX. All payments should have been applied to my loan. 
XXXX XXXX from Shellpoint and XXXX XXXX from Shellpoint have been awful. They are supposed to be my point of contacts, never pick up, never return phone calls, and can't fix anything. It seems this company is attempting to take peoples homes by way of making this process too difficult to address without legal counsel. I have spent countless hours writing emails, making phone calls, and complaining to the CFPB. The only time I get a return call from Shellpoint is when I complain to the CFPB. I recommend doing the same if you're experiencing anything close to what I'm experiencing.

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 2019-02-05 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: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX case XXXX CFPB You XXXX responded { I quote } that you are not required to have a contract with a consumer. I request the contract that you XXXX claim to have with alleged XXXX XXXX XXXX Hospital and my self services claimed provided in complete detail of service, a copies as to where I agreed to these services [ My signature on each alleged account approving of service.You XXXX stated I quote { we are not required to have a contract with the consumer I request a Copy of your contract with XXXX XXXX XXXX Hospital. I need all the enclosed documentation in detail for my investigation to possibly file a fraud case. You XXXX Subrogated yourself on to or into a contract as a third party not being on the alleged original contract. I want that contract not letter stating it was bought, traded, sold, given, to you by XXXX XXXX XXXX Hospital to you. You XXXX should have the alleged original contract with myself, XXXX XXXX XXXX and your XXXX on that contract. If you are not on this alleged contract You XXXX have no right to substitute { subrogate on to or in to a contract, A third party collector not on alleged orginal contract between a consumer and creditor can not claim that anyone owes them money

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 2019-02-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that i have disputed. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.

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 2019-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I submitted for my repayment plan to be from Income Drive Repayment to Extended Graduate Fixed on XX/XX/XXXX. On that day, I called in and I was told that it would take 10 business days to process. That time passed so I called in again on Thursday, XX/XX/XXXX, I called in again and I was told the repayment would be processed by Tuesday, XX/XX/XXXX. On the XXXX, I called in again and I talked to XXXX - ID XXXX and he told me my plan would be changed start XX/XX/XXXX for {$310.00}. I asked him to send me written confirmation and he said it would be sent that night or the next day. I expressed to XXXX that I did not feel comfortable leaving the call until I received written confirmation because it took me so long to get this information after being told different information on each call. He refused to send an email for written confirmation to me. I expressed again that I didn't feel comfortable leaving the call until I got that information and he said, " you can hold all day but you are not getting an email ''. I asked to be escalated to a manager which lead me to XXXX - ID XXXX. XXXX started with the call that I would not receive an email and if I wanted to wait on the call, she would just put me on hold and I would be forced to wait. I found XXXX who claims she was a supervisor at XX/XX/XXXX to be disrespectful, rude and not qualified for her position. Each time I tried to explain why I was looking for the written confirmation, she would speak over me. I asked why she kept speaking over me and she would not answer. Instead, she told me my request would never happen. I started trying to go into my detail about my position and XXXX hung up on me. 

I would like to report both employees, get written confirmation, and have both employees written up as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX of XXXX, FL XXXX XXXX XX/XX/2017 auto loan. Did not give permission for this inquiry. 

XXXX XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry XXXX XXXX XXXX XX/XX/2017 Did not authorize this inquiry I have put a freeze on my credit reports with all 3 credit agencies because companies are doing credit checks without my permission via the internet. i am trying to improve my credit to get a house and this is hurting my credit scores

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