vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
Specialized Loan Servicing ( SLS ) purchased my HELC from XXXX XXXX XXXX in XXXX, and at the time, I was in hardship after years of unemployment. I was able to get help with the first mortgage through the Hardest Hit program but was told there was no help for the second mortgage. I received a letter dated XX/XX/XXXX, that served as a notice to default with an intent to foreclose on my property if I did not pay the accrued amount to bring the account up. In XX/XX/XXXX, I submitted a loan application with my primary lender and was notified on or around XX/XX/XXXX, that my refinance has been loan conditionally approved. I have been in conversation with SLS representatives as I have been in this process to seek the payoff amount, which would be included in the refinance. Today, XX/XX/XXXX, two weeks from closing the loan with the primary lender, SLS tacks on additional interest and escalates the charges to add {$20000.00} to the payoff amount. They have taken the loan back the original amount as if I never ever paid anything towards the principal and interest, plus adding interest from the time that I went delinquent to the present ; this is excessive. I am asking for assistance in obtaining a reasonable payoff amount.

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 2019-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
My loan transferred to Select Portfolio Servicing XX/XX/XXXX from XXXX XXXX. 
SPS took 4 months to process my transfer. While my account under " process '', I kept paying my monthly mortgage on time started XX/XX/XXXX. I did not miss any payments. All my payments were sent on time. SPS acknowledged that they received all my payments on time, however, they did not apply all the payments on time. They applied all payments as single payments on XX/XX/XXXX. I asked SPS to fix my payment records and to apply all the payments individually as they received them on a monthly basis. Since it wasn't my fault that it took them 4 months to finalize my account. However, they stated that they will not fix my record payments. They said that they had to apply my payments under " suspend account " because my loan modification documents from my previous servicer were not received. I am now trying to refinance my loan and the underwriter will not accept my " payments being on time '' because SPS will not provide the proper documentation of the payments that I made during " transfer process '' I called SPS several times and spoke to different representatives to fix these payments records and they stated that they will not able to go back to my record and fix the payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: MI

Complaint narrative:
PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.

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 2019-11-18 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: MI

Complaint narrative:
PLEASE LOOK INTO THE CHAPTER XXXX BANKRUPTCY ACCOUNT THAT HAS BEEN DISCHARGED IN COURT SINCE XX/XX/XXXX. THERE IS NO BALANCE ON THIS AND IT HAS REALLY BEEN AFFECTING ME INTENSELY, AND BECOMING AN OBSTACLE IN MY LIFE. I HAVE ATTEMPTING TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT SINCE XXXX OF XXXX, NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY IMMEDIATELY. THIS IS REALLY AFFECTING MY RIGHTS AS A CONSUMER AND IS VIOLATING EVERYTHING.

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 2019-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I currently have a loan on my credit report that I did not apply for. I contacted Navient and made them aware of the situation, they were unable to provide any proof of signature of me " co signing '' to this loan. The loan appears on my credit report as a loan I co signed on. An ex friend of mine stole my information and used it for this loan without informing me. I did not attend the school the loan was taking out for and never agreed to taking out this loan in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt is not owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express has my contact information to include : email address, mailing address, and phone number. Even though they have this information, they continue to call my family members repeatedly. I have read that this is unlawful which is why I am filing a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TSC Accounts Receivable Solutions
State: CA

Complaint narrative:
In XXXX of XXXX I was admitted into an emergency room ( I have XXXX XXXX XXXX XXXX ) so I made sure before I was admitted it was an in network facility so that my insurance would cover my stay. Luckily I am fine. After a few months I started receiving my bills from XXXX and paid my portion in a timely matter. It is now Late XXXX and have just received notices from a collection agency that I owe {$630.00} plus interest on a debt I had no idea I owed. After contacting them regarding this notice -TSC Solutions ( the credit agency ) sent me a bill summary from my emergency stay. Apparently during my emergency stay an out of network doctor performed a procedure and this is where the bill is from? At no time did I EVER receive a bill from this doctor/or his affiliate company for my portion of the bill. Ive spoken to my insurance ( XXXX  ) regarding this and my advisor stated this happens quite often to patients. XXXX  sent my explanation of benefits from this bill to me and I forwarded to TSC SOLUTIONS. Initially {$630.00} was submitted by the out of network doctor- but due to the fact that {$120.00} from the claim is considered incidental to the primary procedure only {$510.00} was owed to the doctor ( or his office. ) I emailed this information to the credit agency as I do owe a portion of the bill ( {$510.00} ). But they are insistent that the FULL BILLED AMOUNT of {$630.00} IS due plus interest. 

Ive tried unsuccessfully to resolve this matter with XXXX at TSC Solutions even offering to pay more than what was owed ( I offered {$550.00} to TSC but was told in an email that the full amount of {$630.00} plus interest of {$88.00} was owed -now totaling {$720.00}. ) I am upset that as a patient I was diligent to go to an in network facility so that I wouldnt have any problems with my insurance but apparently this type of medical billing is done at the expense of the consumer.

I am also bewildered that a credit agency Does not have to abide by the law that protects consumers from over billing. At no time should a consumer have to pay the FULL amount owed from medical billing just because the bill is now in a collection agency hands. 
As I said I have tried to resolve this matter with TSC SOLUTIONS with no success. I will not stand by and be intimidated to over pay just because it may affect my credit report.

The difference of {$120.00} may not be a lot to some people but its a matter of principle. At no time should a collection agency or other entity feel that the law that protects over billing to consumers does not apply to them. As I said I tried to resolve this in a timely matter with TSC Solutions but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau I have received over 50 robo calls from " Chase Bank '' offering to decrease my credit limits. I hold NO Chase Bank cards, NO JP Morgan cards. I have spoken with reps and demanded they remove my name from the call list. I have filed a FCC complaint. These calls are to a registered DO NOT CALL list device. This is incessant and harrassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I called their office of the President, but I'm not waiting for 5/3rd 's internal investigation to wrap up. Every experience I've had shows that multiple agents from the company are acting in bad faith. As such, I'm making a record here, too. 

In my last complaint, XXXX XXXX XXXX response was fair, but, given the behavior of everyone else I've met at 5/3rd, she's the outlier. 

Today, with her letter in my hand, XXXX at the XXXX branch refused to open an account for me. He explained that since I was only there to redeem the promotion, he was in the right to refuse. He quickly showed me the door. The letter from XXXX saying otherwise carried no weight. 

In XXXX, I had an experience prompting my only other complaint ever. That experience resulted in the letter from XXXX. In that experience, the agent at a different 5/3rd branch told me that many branches don't honor the promotions that are mailed out. This makes me believe that it is widely known within the company that they mail coupons they have no intention of redeeming, or only redeem if the customer " buys more. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX  XXXX, however they are listing a debt on my credit report that I have disputed several times.

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 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My husband and I opened a virtual wallet checking account with PNC Bank. My husband could not establish an online account to manage the account online. After spending hours on the phone with customer service and no resolution, we decided to close the account. I called customer service and explained the situation to the representative and requested the {$25.00} fee to close the account be waived. The representative 's manager approved the waiver of the {$25.00} fee. I made sure to clearly confirm I would not be charged any fees for closing the account. They stated that the fee would be reimbursed to me after the account closed by cashier check. It has now been nearly two months and I have not been reimbursed, even after follow-up calls with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-18 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: NY

Complaint narrative:
I currently hold the bank 's Visa XXXX card which includes many travel benefits and costs {$400.00} per year. On XX/XX/2019, I was charged the annual fee for the upcoming year. On XX/XX/XXXX, the bank decided without prior notice to remove many of the card 's benefits for the upcoming year. Included in this change is the discontinuation of the Visa XXXX Discount Air Benefit, the addition of a charge for all guests that accompany the primary member into a Priority Pass lounge, the discontinuation of gasoline and grocery purchases earning bonus ( triple ) points, and a cap of {$350.00} in Airline Incidental Fees Statement Credits per card account ( versus {$250.00} per cardholder including additional cardholders ). 

I discovered these changes on my own several days after they occurred ( the bank has not yet formally informed me ). I was advised by the bank that I would be unable to receive a refund of the {$400.00} annual fee even though there were significant changes which were released one day after the fee was charged to my account. I inquired as to whether account closure or a downgrade to another product would suffice to receive a refund and was informed that it would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-18 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX  XXXX  XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I subscribe to XXXX  for credit monitoring, their scores and accounts are in line with XXXX, however, Equifax is nowhere near the other repositories, in addition, Equifax was not reporting any account for my credit for over one year, not one account. 

When I asked about the large disparity in reporting, I was told I could buy a copy for {$10.00} which I found ludacris when I asked about the scoring method the response was we can't give that information out. I have reviewed the scoring policy of all three repositories although slightly different there is a common theme.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I have been receiving a monthly security card fee on my Amazon that I have no recollection of signing up for. I just so happened to check my account and there it was. I had spoken to the company who were more than willing to cancel said fees but would not help me at all on the return of said monies. According to the gentleman I spoke to on the phone, I purchased this so called card security on XX/XX/XXXX but didn't start getting charged this fee till XX/XX/XXXX. It appears to me that this fee popped up out of no where.

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 2019-11-18 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: GA

Complaint narrative:
I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.

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 2019-11-18 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: GA

Complaint narrative:
I have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX XXXX, however they are listing a debt on my credit report that I have disputed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-11-18 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: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief