vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I live in XXXX XXXX Florida where we got hit second hardest by hurricane Irma. I sustained damages to my home and I'am not able to meet my insurance claim deductible so I went to my bank to get a loan. When the bank pulled my credit report it showed I had a tremendous amount of debt around 80,000. My total amount of debt should have been no more than {$300.00} as I own my home and car. On XX/XX/XXXX I went to Experian.com and was told my report was showing that another person ( s ) was on my report so they led me to a gentleman by the name of XXXX in the Mixed Specialist Dept. He  asked me some questions and when he was finished he said my report would be fixed within three days. I then notified my bank and gave them the new information. I recieved a call from my bank after the three days and they told me that Experian was not communicating with XXXX and XXXX and my report is showing even more debt that the first one. I believe the amount I was quoted was over 100,000. 
My report number they gave to me is 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 non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC.
State: LA

Complaint narrative:
Inaccurate amount of debt owe reporting consumer changed debt owed amount several times since account closed .That 's fraud, no contract, not liable for amount reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: MS

Complaint narrative:
I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XX/XX/XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XX/XX/XXXX. The car was in excellent shape and the lease was paid as agreed. This was my 3rd lease with XXXX/XXXX AND I was in good standing with A1 credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease 3 XXXX from 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 non-monetary relief
Consumer complaint received 2017-09-30 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: MS

Complaint narrative:
I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 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: MS

Complaint narrative:
I received a letter from XXXX after the leased ended and vehicle was turned in. The letter is dated XXXX XXXX, XXXX, that I may get a refund. A copy of the letter was sent to the dealer where I leased the car XXXX XXXX XXXX on XXXX XXXX, XXXX. The car was in excellent shape and the lease was paid as agreed. This was my XXXX lease with XXXX/XXXX AND I was in good standing with XXXX credit from the first time that I began leasing from XXXX XXXX. 
Now that I am disputing information and trying to correct errors on my report, the XXXX is showing that I was late paying when I was not. I paid on time and I was in good standing while I lease XXXX XXXX from 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 non-monetary relief
Consumer complaint received 2017-09-30 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: NY

Complaint narrative:
I have to first compliment cfpb for helping me in resolving issues with the credit reporting agency 's. I am submitting this complaint today because I had an update on XXXX XXXX today X/XX/17 and my score went down even more. Now it 's at XXXX but XXXX is at XXXX. I ca n't get online to view my transunion report and every time I call they send me over to answering machine to leave a message. I do n't no why my score keeps going down with transunion. I have sent proof that XXXX accounts DO NOT belong on my transunion credit report. The first one is XXXX XXXX XXXX and the other one is XXXX XXXX XXXX XXXX. It seems every time I put in a complaint my score keeps going down. XXXX is NOT doing a proper investigation or they would have received the same response that XXXX received to DELETE these XXXX accounts off of my credit report. It is unbelievable that I ca n't get a copy of my report nor view it online. I also keep receiving letter from them that they need more time. I understand an investigation can take up to 30-45 days and if they do not respond the information being disputed is removed off the report. I have been disputing this wrong information for over 4 months now and they keep sending letters they need more time. This is wrong and I do n't no what is going on but transunion is affecting my credit score and credit worthiness in obtaining credit. If the company 's did not respond it is automatically removed off the report. They have had substantial time about 4 months to correct this. It 's well over the 45 days allowed. I do n't no what is on my credit report to have my score so low. There is also another account that do n't belong on there that account is XXXX. I have send and uploaded proof that XXXX has confirmed and deleted all XXXX of these accounts off my report. I also received a letter about a month ago from transunion that in so many words ... ..do n't care what XXXX or XXXX  is reporting. What kind of response is that? I fully expect these XXXX accounts to be deleted off my report. If a proper investigation was done this problem would have been fixed months ago. Ready to sue transunion at this point.

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 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Here we go again. This has happened for the third time now, with them not applying a payment that I have demanded that they apply all towards principal and they refuse to correct the problem for me. The continue to apply one payment out of the additional {$5000.00} principal payment and apply that one payment towards the future. Therefore, making an additional {$400.00} + in interest, because it it just sitting their for an entire month!!!! This time, the payment was made on XX/XX/XXXX, for {$5000.00}.  Called on XX/XX/XXXX, spoke to XXXX, and asked for the payment that was placed in the " future '' to be placed back on principal. She said it would be fixed. Called back on XX/XX/XXXX, problem was still not fixed. Spoke with XXXX, she said she would get it fixed. Still, on XX/XX/XXXX, the problem is still not fixed. THEY HAVE BEEN COLLECTING ADDITIONAL INTEREST FOR 9 DAYS NOW!!!!! SEE OUR LEGAL ORIGINAL MORTGAGE DOCUMENTS THAT STATE THEY MUST APPLY ANY ADDITIONAL PAYMENTS MADE TOWARDS PRINCIPAL AS LONG AS WE OWE NO $ . The next payment is not due until XX/XX/XXXX!!!! PLEASE HELP US WITH THIS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
THEY ARE A SCAM COMPANY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America ( BoA ) has not properly credited the insurance portion of my escrow account. 
I changed homeowner insurance carriers. 
I notified BoA ( the new carrier had already notified BoA which paid the new premium, but I do n't have documentation of that notice ) and sent a copy of my new insurer 's policy binder, I delivered to BoA the prior insurer 's refund check which I endorsed to BoA, and sent another copy of the new insurer 's policy binder and asked that my escrow account be corrected. My certified mail receipt shows this was delivered XXXX/XXXX/XXXX. 
BoA sent me a letter noticing me that insurance will be force placed unless I provide evidence of insurance. 
I sent BoA a letter including all the above and asked again that my escrow account be corrected and my monthly payment amount adjusted. 
BoA is acting as if they did not receive my new insurance binder or my check, both of which they received. 

Documentation of the above is attached.

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 2017-09-30 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 +  XXXX XXXX XXXX/XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XXXX XXXX, 2017 + XXXX XXXX XXXX/XXXX ( XXXX ) XXXX Someone applied for credit, unknown person, and this company had 2 hard hits on my credit, ran my credit without my permission. Someone applied online and had items shipped to Florida, Walmart is still sending bills, I want these hard hits removed from my credit and I want Walmart to remove this credit card and stop sending bills. This is dropping my credit score and needs to be taken care of immediately! I am seeking an attorney, and will take action against them in the event I do find one.

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 2017-09-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
Had service with the company and I moved. When I moved the company could n't provide the service I previously had and suggested another offer they had. When company tried to install the new service it did n't work and the are trying to charge me for the service I never had at my new address. I informed them that since the service was never hooked up in my home in which they are trying to charge me for because they tried to install it over the phone and it did n't work that I should not be financially responsible for it. I later found out that they do n't service the exact building complex I live in and had to use another service anyway. In the building I live in you have satallite dish in order to use service and they do n't offer that through their company they have another company they work with for that. I never used the service and then they told me that it was a previous balance. I asked them how could it be a previous balance because they would n't even had tried to transfer my service if I had one. This  complaint is against XXXX XXXX XXXX amount is about {$210.00}

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 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Trying to get a credit freeze at TransUnion. I mailed in all the information they said I needed ( drivers license, current bills ], etc. etc. ). 

I tried to do it online but their web site would not work for me. 

I tried to call them many times, but of course that was fruitless. 

Finally I got a form letter with a form to fill out and submit all the information that I had already sent to them before. 

Clearly they do not want to help me. 

Of course I could not get through on the phone. 

I will let my congressman know of my problems also. 

This is the same experience I have had with XXXX and XXXX. 

They should be required to give everyone an automatic freeze and let us opt in.

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 2017-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar XXXX XXXX Department XXXX XXXX XXXX XXXX TX XXXX XXXX : Nationstar Mortgage XXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XXXX/XXXX/XXXX, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and .. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my XXXX XXXX attorney ; the XXXX XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi I recently opened a new CreditCard with XXXX ( its an XXXX card ) and received a letter from XXXX 's stating that I can get my free credit report within 60 days from Experian. This letter contains a phone number ( XXXX XXXX XXXX ) from where I can get my XXXX free ) credit-report on which this card was based. I tried calling this number and didnt find any option for my case, as a result my call gets terminated and there is no option to talk with an agent. This is so frustrating and completely against Fair Credit Reporting Act that I can not get a copy of my credit report, can you please help with this. 

thanks 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 non-monetary relief
Consumer complaint received 2017-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE CENTER, LC
State: MI

Complaint narrative:
In XX/XX/XXXX I contacted Mortgage Center LLC, as advised by XXXX XXXX XXXX, in regards to a mortgage pre-qualification. When I met with the loan processor I explained I had a foreclosure and that my mother, who lived in Minnesota at the time, and I were purchasing the property. I provided documentation of the Sheriffs sale, as well as a letter from my mother 's insurance company documenting where the down payment was going to be paid from, and was provided a pre-qualification letter from Mortgage Center LLC. 
By XX/XX/XXXX we had identified a property and began the purchasing process, looking to close in XX/XX/XXXX. Throughout the process we were asked for the same documents multiple times. As we approached our closing date, but had not received a clear to close, I was contacted by our loan processor stating she had filed the wrong mortgage application. She filed a conventional mortgage application, but stated she needed to file a FHA mortgage application due to the foreclosure, which was over four years past, on my credit report. She also explained the appraisal that we paid for was not valid through FHA and that we needed to secure another appraisal. 
The FHA appraisal was completed and there were still multiple issues with regards to communication with the mortgage company. My realtor, my mother 's insurance agent, agents of the title company, myself and mother worked very hard to complete the process with the mortgage company, only to have terms change repeatedly. When we finally secured a closing date, we were advised by Mortgage Center LLC staff to pay closing cost with the funds they could validate in our personal accounts and apply for a loan reamortization once we received our funds from the insurance company, as the title company would not accept a third party check. 
The funds were secured from the insurance company and sent to Mortgage Center LLC. We were later contacted and informed they would return our funds as our mortgage could not be modified because it was an FHA loan. We were instructed to apply for a modification in two years and pay all associated fees. The entire process has cost my mother and I additional funds, unnecessarily, due to Mortgage Center staff 's lack of knowledge about their business and professionalism. I am concerned about possible fraud and unethical lending practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
ID THEFT VICTIM SENT TO HPD # XXXX CASE NUMBER VIOLATES MY CRA RIGHTS, HIPPA I 'VE SENT THEM THE REPORT AND XXXX XXXX NUMBER WHERE THEY CAN VERIFY IT ... ...

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 2017-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase has been calling me repeatedly XXXX to 3 times a day about credit card debt owed. I had told them to stop calling but they will not. They are now even contacting family members and harassing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I submitted a request to XXXX XXXX XXXX XXXX through their email address " XXXXXXXXXXXX '' inquiring about how they came to be the servicer of my loan when I was not disabled, had never alleged I was disabled, had no knowledge of anyone who would report me to be disabled. I asked them for the name of the agent who reported to them that I was disabled. 

I also informed them that while I had received a notice of transfer of servicing from XXXX to Nelnet in a letter dated XX/XX/XXXX, I never received any notice of transfer from Nelnet. 

I did receive a notice of a change in account number from Nelnet dated XX/XX/XXXX, however, according to the record on Federal Student Aid NSLDS that I just recently found, Nelnet was reportedly the servicer since XX/XX/XXXX, while I had been making monthly payments to XXXX since XXXX until XXXX. This could explain why my balance did n't go down. 

I also reported to Nelnet that I did not receive a XXXX for XX/XX/XXXX or any statements at all for XXXX or XXXX of XX/XX/XXXX. I am about to file my XX/XX/XXXX taxes and need the form. 

I received a letter yesterday ( XX/XX/XXXX ) dated XX/XX/XXXX which simply enclosed a copy of my consolidated promissory note, and a note " Just know that we 're here for you when you need us ''. This is not very helpful. Finally, the consolidated promissory note they enclosed is being disputed because the underlying loans that XXXX XXXX XXXX, XXXX consolidated, were not known to me and XXXX the guarantor has not been able to provide me with any loan documents of them.

Company response to consumer: Closed with explanation