vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
I received a phone call on XX/XX/XXXX regarding XX/XX/XXXX payment and it being close to 30 days and it being reported to the Credit Bureau. I said I believe I made that payment. I will check my records and call back or make that payment if this is correct. I called back that same day and told the Cust Service Rep. that the check cleared the bank on XX/XX/XXXX. He said he found the payment. I said what may have happened is it may have been applied to my previous lease. I forgot to update the acct. no. in the Bill Pay section of my bank acct. I asked him to apply it to my current account for my new lease immediately as I did not want it reported to the Credit Bureau. He said he couldn't because I sent it to the wrong account. He said it wouldn't be applied until Wednesday, which would put me at 30 days. I said if it cleared the bank already and the money is there, why can't you apply it immediately? Where is my money? I then asked to speak to a supv. He put me on hold and came back and said everything 's okay. It will be applied on Monday. ( A more detailed explanation will be attached ) XX/XX/XXXX I receive a statement indicating I had an unsatisfied lease and money had been applied to that, which is less than my new lease amount. So, I want to know two things : Why are you saying my previous lease was unsatisfied and yet sell me another car? And why send this statement 8 mos after the lease expired? And another thing, where is the difference between the two amounts ; where did that go? I never received notification about a balance owed on the previous lease until I addressedXX/XX/XXXX payment. So now my account will always have an overdue balance because the " misapplied '' my misapplied XX/XX/XXXX payment. My credit dropped 30 points. I was devastated. I had made numerous calls and each time I am told something different. This is extremely frustrating. The last Rep I spoke with did open a fraud report, by I no longer trust these people. They even had the audacity to send a survey via email. Really? Trust me, you don't want to know what I really think about you or XXXX XXXX   in XXXX XXXX, NJ. This whole lease experience was a complete nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Old Republic National Title Holding Co.
State: TX

Complaint narrative:
all parties involved did not stop the process of a lien costing me {$3000.00} and much more time from work and using unfair practices all parties enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I was unable to view the truth in lending disclosure until after loan had been processed and funds delivered to my account. I was not informed of the 473.733 % interest charge. To date Ive paid {$1700.00} to date for interest on a {$1600.00} loan. Ive only paid {$140.00} towards the principal. And Ive only made 9 of the 26 installments to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made a payment on XX/XX/XXXX on western union speedpay for XXXX   specifying how the payment should be posted. XXXX to the principle and XXXX. They failed to post the payment stating they do not know where to apply it. I also paid XXXX  on other fees. On XX/XX/XXXX. I paid my XX/XX/XXXXpayment earlier in the month, that XX/XX/XXXX payment included interest until XX/XX/XXXX. I feel as though they are doing a delay tactic to obtain additional funds in interest and are also saying I need to pay insurance which is already included in my escrow funds.this mortgage is with PNC bank who aquiried my mortgage when XXXX XXXX XXXX went out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: PHH Mortgage Services Corporation
State: NJ

Complaint narrative:
PHH Mortgage Service with account number XXXX  is reporting my account on XXXX  as Foreclosure proceedings started as of XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

But then they also list the account as 180 days past due as of XX/XX/XXXXXX/XX/XXXX6, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX toXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to XX/XX/XXXX

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Consultants, Inc.
State: GA

Complaint narrative:
Received a letter on XX/XX/XXXX stating that I owe {$2600.00} to the GA Dept of Revenue. Called Professional Recovery Consultants, they asked for the last 4 of my SS # and my DOB. This debt was paid in XX/XX/XXXX and doesnt show on my credit report. Why would the GA Dept of Revenue use a company not accredited with XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NJ

Complaint narrative:
This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( Transunion, XXXX, XXXX ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.

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 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I just received notification that this account was added to my credit report. I did not receive a dunning letter..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NJ

Complaint narrative:
This company has not answered my question in the least bit. I have supplied all the necessary information on the companies that have placed inquires on my report, they have refused, neglected to supply me with the documentation from these companies that they claim to have submitted to them ( XXXX, XXXX, Equifax ) to verified that their claims are true. Each time I request this information they keep brushing me off and just update these false claims on my report. I want proof of applications submitted by me to these companies for credit that way if there is any such documents then my information has been compromised. If they can not product documents to this effect not only do they need to remove their inquires but I need to file further claims because of the breach of my information. Also each time I file a complaint not only do not furnish proof of verification they just update the status of the item I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX  with account number XXXX  is reporting my account on Experian as Foreclosure proceedings started as of XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

But then they also list the account as 180 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.

This is not accurate. They are listing foreclosure proceedings and then 180 days late in the same months.

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 2018-03-28 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX, the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with XXXX XXXX were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with 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 2018-03-28 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: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
An account with XXXX was opened by a family member without my authorization. This family member had access to all of my financial and personal information. I worked closely with XXXX XXXX the CFPB, the FTC, the 3 main credit bureaus and XXXX XXXX XXXX ( the collection agency that bought the account ) FOR MANY MONTHS to resolve the account.

The creditor, the collection agency concluded the account was a result of identity theft and thus all collection activity stopped. After further review, the charges with ALLY Bank were a result of unauthorized payments made to the fraudulent account with XXXX. As evidence of my claims please review the attached documents.

As the CEO of an investment and acquisition conglomerate, I do not have the luxury of time for this matter to be corrected. The erroneous entry on my credit report is interfering with my ability to fulfill my role with my employer and thus threatening my job stability. A core function of my job is to secure financing for the corporation 's acquisitions. This often requires a personal guarantee. Recently, a denial of access to a necessary bank account has transpired due to this erroneous entry. I am currently losing bonuses due to my inability to gain access to the account with 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 monetary relief
Consumer complaint received 2018-03-28 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX 's client XXXX XXXX XXXX is an identity theft victim. His information was used without his consent to apply for several credit cards. While those applications were not successful the inquires from the applications were made into his credit reports. A formal dispute of those applications and inquiries were submitted however no confirmation of deletion of those inquiries has been received from one bank. TD Bank has failed to comply with FCRA law and has not replied to the victim with regard to removing the inquiry from the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and XXXX credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the consumer protection bureau so that Equifax and XXXX and correct my credit report and start reporting accurate student loan information from mygreatlakes.org. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have a home equity loan with Chase since XX/XX/XXXX. I am currently repaying it. The HEL is secured by my house. I had received XXXX  every year untilXX/XX/XXXX. I did not receive one for XX/XX/XXXX. I have tried to contact Chase numerous times and I have been told that the HEL is not secured by any real estate therefore they are not issuing a XXXX. This is completely wrong. The terms of the loan have not changed. I have been waiting for the XXXX and spent numerous HOURS on the phone with several agents, even with my branch manager, but they are refusing to issue a XXXX.

I am unable to file my taxes without that document. I need to submit copy of my taxes for my request for financial aid for both of my kids.

I have copies of XXXX from every year up to XX/XX/XXXX. Chase is refusing to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices Howard Lee Schiff, P.C.
State: RI

Complaint narrative:
The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: FL

Complaint narrative:
XXXX and Experian credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the XXXX XXXX XXXX so that XXXX and Experian and correct my credit report and start reporting accurate student loan information from XXXX. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.

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 2018-03-28 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: FL

Complaint narrative:
Chase closed my account on XX/XX/2018 for my cards ending in XXXX, XXXX, and XXXX. The stated reasons were " because our affiliate is ending its banking relationship with you. '' I do not understand which affiliate Chase was referring to because all my bank accounts and credit cards are still fine with other institutions. 
I am seriously concerned that a recent interaction with a Chase representative has resulted in him flagging my account because I am a transgender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 17 hard inquiries from different companies that I never applied with. I called the companies but since I dont have an account with them they cant do anything for me but the credit bureau keeps telling me to contact the company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: IN

Complaint narrative:
InXX/XX/XXXX, I scheduled an extra payment to loan XXXX on the due date and asked not to forward the next due date and to have the next month be due on schedule. MyXX/XX/XXXX auto payment was made and only the interest was paid ( {$3.00} ) and the amount that should have gone to principal ( $ XXXX= {$23.00} ) was distributed as extra payments to the rest of the loans in my account. I emailed requesting my payment be reapplied correctly on XX/XX/XXXX ( as soon as I saw how my XX/XX/XXXX payment was applied ).

The response I received to my Navient inbox on XX/XX/XXXX about reapplying the payment correctly, they determined that XXXX was not paid ahead and did nothing to reapply my payments ( which they have previously done for me in the past aroundXX/XX/XXXX a few times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
The debt is owed to XXXX. XXXX did not give us enough time to resolve the debt with them before sending it to a law firm. I am attaching what the law firm sent us due to it not looking like it is filled out correctly. 

Since I have already filled out the form. I would like to ask about other debt and who I can speak with. I also owed a credit card company approximately XXXX dollars. They took me to court and did I had no idea what I should do. Of course I did nothing and now that XXXX debt is a XXXX lien against my house. How can unsecured credit card debt get a lien against your house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
The account in reference IC Systems/XXXX  was created due to indentity theaf. I have contact both XXXX and XXXX on several occasion with no success.

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 2018-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CN Collections, Inc.
State: MD

Complaint narrative:
On XX/XX/2018 and many prior dates Ive been getting Robo calls ( automated calls ) repeatedly that instructs me to callback with threats about incarceration for a debt that I do not owe. I have called back the numbers and told them to stop calling repeatedly.

Company response to consumer: Untimely response