vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-02 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: IL

Complaint narrative:
I am writing this due to Non-compliance with the Credit bureau Experian, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Experian if this account is not deleted.

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 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: FL

Complaint narrative:
City of XXXX is saying I owe them {$220.00} for service that continued at a rental home after I submitted a termination of services and paid balance due. They do not have the right to collect these funds, as I performed my due diligence - they left the services on until XX/XX/2018 under their own mishandling. I moved out of this rental XX/XX/2018 - and furthermore was due a refund of my deposit of {$250.00} - which was never mailed to me - so now a collection agency Penn Credit owns this debt - I was able to get it removed from my XXXX report - but was denied on both my XXXX and 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 2018-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: MO

Complaint narrative:
Applied for an XXXX XXXX XXXX through XXXX Bank and received the credit card. Then received a letter with XXXX Bank letterhead stating that my credit application was being denied for reasons that are not true, and that the credit reporting agency is XXXX XXXX. XXXX reported my credit score as XXXX, when it is consistently above 800. I called the number on the back of my credit card, and they said the letter had not originated with their company and this was probably a scam. Also, the address they sent the letter to is not my address, but the post office delivered it to the correct address.

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 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a voicemail on XX/XX/18 by a Bank of America phone rep. They did not leave a name or phone number/extension to contact. I have been receiving calls from phone # XXXX however no voice messages were ever left. When I call the number back it takes me to the call center and no one seems to know why I was called. 

When I finally reached someone on XX/XX/18 who directed me to the car loan department the rep ( XXXX XXXX or XXXX ) stated my car was out for repossession. And I requested to talk to a manager to try to get resolved today they stated 24-72 hours it would take for call back. The rep stated nothing he can do and I need to go into a financial center to try to make payment. He could not make payment arrangements or anything. Then stated once I make payment at the Financial Center then I need to call XXXX when I am there to ensure they have payment.

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 2018-10-02 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: OH

Complaint narrative:
Sent TransUnion mail to delete the disputed comment on account XXXX XXXX, account number # XXXX. TransUnion has not removed the dispute comment from my credit report. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of a certain account. More specifically pertaining to a comments on this account. I am requesting that you remove the disputed comments on the account listed below with immediate effect. This account is no longer in dispute.

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 2018-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
According to the company ( Chase Bank ) some type of credit checking report was done with it's current customers and at that time they deemed some customers " eligible '' for an increase in interest rate. They stated that I got the best interest rate a credit card company could offer. So, my interest rate went from 12.74 % to % 16.49 %, doesn't sound like a very good deal to me. When I called to discuss a double interest rate charge, I was told that I " qualified for the rate increase '' and only after three separate phone calls I was finally told that the purchases I already had on the account prior to the increase were protected at the original 12.74 % rate and the new purchases were now being charged the new rate of 16.49 % rate. As the new rate was not my issue, I wasn't too happy to hear that i was being billed two different interest rates. However, my concern was that the account was paid off in XXXX, so there was no longer a balance prior to the rate increase ( and purchases made XX/XX/XXXX and after should only be at the new rate not both ) but I still got hit with TWO finance charges!!!!

This is UNFAIR!!!! Their explanation and reason for the charges is totally unacceptable. If there is no balance on the account, HOW DO YOU CALCULATE INTEREST?????

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
debt reported on XX/XX/XXXX - {$3700.00} debt for unknown medical bill. tried to contact creditor and they could not tell me specific details for what ad when this was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
2013 I filed for bankruptcy on my business in chapter XXXX bankruptcy, my house in it and my mortgage lender sold it to Ditech, telephone number XXXX. Loan # XXXX. I did not included my home in the payment to the court and pay it directly to the Ditech, during the course of the bankruptcy they failed to contact me or my attorney of any changes to my loan as far as the escrow changes etc, the never want to talk to me even when my attorney gave the okay to deal with me directly. The fixed amount that was transferred from the old lender was changed immediately my bankruptcy was over and they are claiming I missed payments which they can not prove. I have tried so many times to resolve this but we never reached anywhere.. please intervene to resolve this on my behalf.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit reports from a company called XXXX XXXX XXXX. I called and spoke to a customer service agent then I asked to speak with a supervisor. I spoke with a young lady by the name of XXXX XXXX. I explained to her that her company placed a collection on my reports that they alleged was placed with their company by XXXX XXXX. In order for the rep to look up my account she asked my name and SSC number. I told her that I would give her my name and last 4. I asked the rep what address they had. She said they had a XXXX XXXX address in XXXX SC I explained to the rep that her company claims this debt was placed with their agency on XX/XX/2018. I told her that I know the company was being deceitful because I was still disputing this fraudulent account with XXXX XXXX and the account was finally removed from my reports on XX/XX/2018, so XXXX could the account be placed with them in XX/XX/XXXX when XXXX still had it in XX/XX/XXXX and was communicating back and forth with me regarding the account, until it was finally removed due to fraud. I called XXXX and explained all this and they in turn informed me they did not place the account with anyone due to fraud and advised me to file a complaint and dispute the accounts with the credit bureaus. I informed them the address they have I have never lived at. I have never heard of this company, I never received any type of communication stating they were placing this fraudulent account on my reports. I may also sue this company for defamation and smearing my credit. This company is using illegal tactics to get consumers to pay collections that they can not validate and do not own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
They keep putting a debt on my credit report for a college i never attended because i never even graduated high school yet somehow i owe them {$1200.00}? To add insult to injury i was told the original debt is over 7 years old. I have disputed it several times with the credit bureaus but have gotten nowhere.

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 2018-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC
State: SC

Complaint narrative:
Cooling and Winter LLC have misrepresented themselves as XXXX XXXX XXXX and filed a lawsuit against me. The court date is XX/XX/2018. The amount charged off is XXXX. The case number is XXXX In the lawsuit Cooling and Winter LLC have listed themselves in the plaintiff section as " XXXX XXXX XXXX '' making it seem like XXXX XXXX XXXX is the one bringing the lawsuit against the defendant. Cooling and Winter is a 3rd party debt collector and should not mislead anyone to believe that they are acting on behalf of XXXX XXXX XXXX. In addition when meeting for the first hearing date on XX/XX/18 the attorney for Cooling and Winter XXXX XXXX identified himself as " I'm XXXX with XXXX XXXX XXXX ''. 

This company is not following the FDCPA and is acting illegally and must follow all collection guidelines and laws. They should be stopped as they are trying to deceive consumers and misleading them.

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 2018-10-02 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:
I am writing this due to Non-compliance with the Credit bureau Equifax, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Equifax if this account is not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a change on my credit report with a company " lobel financial '' the account was showing as a closed account and started reporting current with a balance increase after years of no change. I contacted lobel and asked to please send me an itemized bill and advised them that I did not receive documents for the sale of vehicle at the end of XX/XX/XXXX. When I called they forward me to legal department and I spoke legal rep names XXXX. XXXX stated that this was turned over to a collection agency and I needed to call XXXX. When I called the number on a separate line is disconnected. I advised XXXX that and also told her it does not show a collection agency on my credit report. She said she doesnt know what to tell me. When I asked her why it was thousands more from the original loan amount and even after sale of a car and she said legal fees. I asked her what legal fees and she claimed for the attorney. Advised that there is no judgement so what did the attorney do and she refused to answer. She tried to give me a break down of the charges and amounts but what she told me was over XXXX less then what was being reported. I told her to please send me the documentation and she refused to take my address. I tried to give her my new address multiple times and she said she would not send me anything and hung up on me. I did contact XXXX after and advised them that lobel has refused to take my address. They were able to take my address and said will contact lobel directly to have them send me the documents that I legally have a right to. I also mailed and sent my request to lobel on XX/XX/2018 advising if they are unable to provide me with the documentation verify the debt and amount owed to remove this from my credit report. I still have not received in proof that this debt is owed. After the sale of the vehicle the balance should only reflect XXXX. What lobel is doing and how they treat consumers is completely unjust. As of today lobel has not removed this from my credit DESPITE me requesting documentation and writing a letter of dispute with no response. In fact the balance continues increase every month on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have a mortgage loan that is held by Mr. Cooper previously known as Nationstar for my home that I purchased in 2007. I have been involved in negotiation with their bank for several years as I have tried to resolve my mortgage delinquency. As we have gone through the process, I have discovered that Mr. Cooper does not possess the original paperwork or have documented proof that they are not the rightful holder of my note and that there is a serious question as to their ability to foreclose on this home, or even get a clean title in the event of sale. Because of this situation, I had thought that their office can be involved and would work hard with me to resolve this issue. 
I recently received an offer for a modification on the home and the fact that I thought Mr. Cooper is finally willing to work with me. The problem is that they added into the balance owed all delinquent payments, interest, late fees, legal fees and junk fees. The new modified mortgage payment was lowered only by {$100.00}. The total balance owed ( according to their records ) is {$520000.00} that is 154 % more than what the home is worth. I purchased this home for {$400000.00} and the current value is estimated at {$340000.00}. I am now sitting 153 % loan to value although I consider this a home and not an investment, this modification does not make sense for me or my family. 
if I may and allow me to elaborate, I bought this home in 2007 with 80 % financing through XXXX. 
I was fit into ARM interest rate 7.00 %, recast and capped to 10 %, monthly mortgage payment jumped from {$2000.00} to {$3000.00}. Ive been recently unemployed have been unable to find work and began struggling with the mortgage payment. That was my full-time job now and my family I made a decent living. The problem is that between the time I became unemployed my household income was slashed in half and that is when I defaulted on the loan. Not long after the loan was transferred to Mr. Cooper I began trying to negotiate a home retention program. I could not make any progress same excuse that the necessary documentation to proceed was not received. It led me to believe that due to these findings that their company would provide me with a reasonable workout. However, instead of working with me, once again Mr. Cooper behaved unethically and set an acceleration to foreclosure. Luckily at the last minute someone in their legal department or somewhere else must have realized that trying to sell this property at foreclosure would be a disaster because Mr. Cooper could not show continuity of obligation nor prove their legal right to sell the home. 
The amount that I am required to pay on this loan to satisfy is doubled of what I paid. The home is worth fraction of what I paid. Although

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I re-financed my home in XX/XX/XXXX, and the loan has apparently been sold or transferred at least twice since. In XX/XX/XXXX, I prepaid my property taxes due in XX/XX/XXXX for federal income tax purposes. Based on instructions received from the broker who arranged the refinance and representatives of the first company that issued the refinance loan, I did not make escrow payments with the mortgage payment for 3 months. The amount of the property taxes was {$2500.00}. The monthly escrow payment is {$470.00}, indicating that a total of {$1400.00} for the 3 month period and, as a result, the escrow still has a surplus. 
I have been receiving past due notices and phone calls regarding this amount. I called the company to resolve the issue in XX/XX/XXXX. The customer service representative was unable to assist me and I asked to speak to a supervisor. The supervisor indicated that an analysis of the escrow account would be done and they would get back to me within 2 to 3 weeks but that has not been the case. I did, however, continue to receive past due notices and phone calls. I called again in XX/XX/XXXX andf was again told an analysis would be done but that has not been the case. The phone calls and past due notices continue. 
I called the company today and, when the customer service representative was unable to help me, I asked to speak to a manager or supervisor. I was put on hold for over 15 minutes before I hung up. 
I am concerned that this will adversely affect my credit despite the fact that I am up to date on my mortgage and have a surplus in my escrow asccount.

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