vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2018 I submitted a dispute for inaccurate information on my credit report ( FIN # XXXX XXXX. More than 30 days elapsed and I still didn't hear back from Transunion on the results of the investigation. I called them and requested a report on the results of the dispute. They refused to send it to me on the grounds that they had the wrong address on file. I gave them my updated address and they still refused to send me the results of the 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 non-monetary relief
Consumer complaint received 2018-05-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, me and my father co-leased a Maxima. After making on-time payments for 3 months, no payment history was showing up on my credit profile, while it was reported for my father. 

Ever since XX/XX/XXXX, I have been trying to get Nissan Motor Acceptance Corporation to report my payment information to the credit bureaus. After 12 calls to them nothing has changed. Each time they promised to send the information in, and that in 15 days it would be available for the bureaus, and they will update it within 90 days. Nothing has changed. 

Today, I called again. They told me they can not do anything, and that I have to call XXXX  and XXXX. I did. The XXXX representative said that NMAC can directly contact them, and have it fixed. NMAC is saying they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: TX

Complaint narrative:
On XX/XX/2017 my credit was reflecting this item was removed from my credit report. It has recently been added again after being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: CA

Complaint narrative:
EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes EX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # XXXX XX/XX/XXXX XXXX, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX  # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX XXXX # XXXX XX/XX/XXXX sent, response recieved, XXXX XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes XXXX # XXXX XX/XX/XXXX sent, response recieved, dated XX/XX/XXXX, no changes Once you have seen and read the multiple attempts utilized by me to correct the problems please hold credit bureau in question accountable for their willful disregard for the legal law I have afforded to me under my rights as to have negatives items deleted from my credit report. 

The credit bureau in question is also quite adept at responding to my multiple attempts to have them remove negatives on my report with answers to questions I have not asked them, while not addressing the issue I state in my multiple dispute letters. again Please Please don't allow them to get away with these deceptive ploys and misdirections. 

I as a consumer don't have the legal power and authority that you have. Again in closing please simply see read my attached documents for best description of my complants with credit bureau in question. Thank you.

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 2018-05-11 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made my payments fully at the end of my billing cycle. This was very important because I needed to show 0 % utilization on my card. I am in the middle of purchasing a home and credit card utilization can hurt my score.

Penfed incorrectly reported that I had a balance on the credit card of over {$2000.00}. My credit score went  down 14 points, which put me below the limit of a good interest rate and increased my payments by {$350.00} per month between higher interest rate and Mortgage Insurance. 

I spoke with XXXX XXXX from customer service in Penfed Credit Union, who sent a request to the department of Credit Bureau Corrections to do a reversal and do a report of paid off balance. 

Attached you can see that my credit available is {$10000.00}, which is my maximum credit, meaning that I have XXXX balance on the card due.

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 2018-05-11 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: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. Cottonwood Aka The Cash Store

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 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo has been servicing my home loan for the past several years but over the past few years, they have not escrowed my account properly regarding my house taxes. In XX/XX/XXXX, even though the funds were escrowed, I only received a portion of the tax check to pay to the City at the end of the year. I called them several times about it and was always told, " Well, your taxes must have gone up. '' I would tell them they did not and they would say they would look into it. At the end of the years of XX/XX/XXXXand XX/XX/XXXX Wells Fargo paid the taxes in full after my prompting, with the total amount adding up to {$5300.00}. However, now they want the money back in a lump some or for the funds to be added to my mortgage as of XX/XX/XXXX, which puts my mortgage up to over {$1200.00} per month. I can't pay the {$5300.00} lump sum, nor can I afford the {$1200.00} monthly payment. I am afraid I am going to loose my house after living here for almost 13 years. On XX/XX/XXXX, I asked to speak with a manager. I explained the whole thing to a man named XXXX. He concurred that in XX/XX/XXXX the taxes were escrowed and did not know why I only received a portion of the taxes at the end of that year. I also let him know I needed a different option other than paying a lump sum now or my mortgage payment going up to {$1200.00}. He said he would have to look into things and call me back. In fact he said he would call me back the very next day. I waited. He never did call. Today, I called him and left a message and received no return call. Something is very wrong. I think they did some messing around with my account and now they want to get rid of me. I don't want to loose the home I have loved for the past 13 years! I have tried for two years to resolve the issue with them to no avail. Now, I am the one who has to pay the consequences for their lack of customer service and sheer negligence.

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 2018-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote to the three credit bureaus regarding some inquiries that I have seen on my credit report but I know I do not have any accounts with these companies or am I paying any monthly amount to them. These inquiries are on my credit report and I did not authorise any of these companies to run my credit. I wrote a second letter to three of the companies asking them to remove the inquiries that I did not authorize. On XX/XX/2018 I wrote SEARS CBNA, XXXX XXXX XXXX and CITIBANK NA asking them to remove these inquiries from my credit report has I do not have an account with them and I did not authorize any such inquiry. 
I wrote XXXX, XXXX  and XXXX about the same inquiries on my credit report that I do not have an account for but did not get any good response regarding this.

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 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
this problem is with ocwen loan servicing ... .they somehow have taken my morgage from a XXXX escrow overage to now my payments are late and i am now {$7000.00} behind..i contacted you previously but nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery has violated the Fair Debt Collections Practices Act, by continuing to harass me by mail, after I sent them cease of communication letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I have just sent a 5th request dated XX/XX/XXXX. Portfolio Recovery confirmed receipt of my cease of correspondence letters by signing my certified letter with signature confirmation on XX/XX/XXXX and XX/XX/XXXX. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/XXXX i was contacted by a person who today i found out is a scammer and i am one of his her victims. They contacted me because they saw my resume on XXXX and wanted to offer me a part time job doing XXXX XXXX XXXX. The assistance they asked me to do first to cash acheck they were sending me so i can buy stuff for a childrens home that they donate to I said okay thats terrific i get this opportunity! i have a XXXX so my heart was in good intentions. then i got the check and she siad to cash it and then theyll send me the list of what to buy. I went to my bank becuase i figured if the check was didnt have funds that they wouldnt cash it. However now after the fact of me being scammed i find out that the banks cash the check without knowing if the check has sufficient funds and if it returned they would just deduct it from my account. VERY UNFORTUNATE as a cosummer that this info is not giving prior to cashing the check. I cashed the check friday and scammer told me to deposit the cash to a XXXX XXXX account and they sent me the account info ( attached you will see the account number and all communication i had with scammer ) so i did and took a picture of the receipt and told them that the money was deposited. Wednesday my account is $ XXXX XXXX!!!! i immideately contacted the scammer and no answer at all and i texted them i was going to file a report and they replied back saying they will take care of it thursday. and i with still hope this was a nightmare i waited but nothing. so i called bank of america and told them of the insident and all they did was write it down and did not give me a case # and have not contacted me as of today friday XXXX XXXX. i called XXXX XXXX and they had me on hold for hours and i have not been able to get any response i have no funds to even eat! please help me!!

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 2018-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
XX/XX/XXXX To whom it may concern Our hardship began back on XX/XX/XXXX when my husband, XXXX XXXX lost his employment with XXXX XXXX XXXX. At this time we reached out to XXXX, XXXX XXXX XXXX, the mortgage holder, to inform them of the loss of employment and to seek out assistance and help. We were directed to there Loss Mitigation Department but they did not help us and the loan went into foreclosure. 
At this time, on or about XX/XX/XXXX we contacted our Community Legal Services for assistance, help, advice and guidance on resolving our legal situation. They assisted us with providing an answer to the Courts and arranging a mediation which took place on XX/XX/XXXX. A settlement was agreed upon but was never enforced. During this process we notified all parties that my husband, XXXX XXXX, became employed at XXXX XXXX on XX/XX/XXXX. 
In XX/XX/XXXX XXXX XXXX XXXX became the owner of the loan and again we applied and submitted documents for a loan modification. We received a preapproval for a modification in XX/XX/XXXX of XX/XX/XXXX in the amounts of {$2600.00} as an initial payment followed by a monthly payment of {$1400.00} which was to start on XX/XX/XXXX. We did not sign this preapproval and requested a reevaluation because we were not able to make this payment. The loan went into foreclosure again in XX/XX/XXXX and we hired XXXX XXXX XXXX XXXX to represent us. We were able to get the loan out of foreclosure and attempted many times to obtain a modification but still nothing happened. During this time the loan was sold again and went to Selene Finance and the process began again until legal representation ended on XX/XX/XXXX. 
During this time we applied to the different government programs available : XX/XX/XXXX- Hope for Homeowners XX/XX/XXXX-Florida Hardest Hits But we were not able to obtain assistance from anyone. 
We are now faced with the selling of our home which is scheduled for XX/XX/XXXX. This is why we are reaching out to you for help. We would like to see if you will be able to look into our case because after doing some research we believe that we may be a victim of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka 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 2018-05-11 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: TX

Complaint narrative:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11 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: TX

Complaint narrative:
Several dates of borrowing and a satisfactory transactions. They just not reporting to the credit bureaus. XXXX Aka 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 2018-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: WV

Complaint narrative:
My loan was sold to RoundPoint Servicing Corp for loan servicing before my 2nd payment ( last XX/XX/XXXX ). I tried setting up a bank account for payment, it took multiple attempts as they kept losing my submitted forms and/or bank account information. I then wanted to make biweekly payments, which required an additional form and bank information ( same bank, same account number, etc ). Well they lost it again multiple times. I went on the prepay {$5000.00} of principal on my mortgage. I called to inquire as to why my biweekly payments had not started, and they told me in order to do this, I had to be ahead on my payments by one month. Simple math people. That {$5000.00} payment knocked about 50 months off my mortgage. I opened an account with a local bank and added that bank to my online account at RPS. Several times I have tried to make this account my primary payment method and this has gone on to be ignored. I have called and chatted online with representatives who consistently tell me different things, including today. The representative ( XXXX was her name, I took screenshots of this conversation ) informed me that now there will be a billing issue because I have 2 bank accounts for this loan. Despite this, she was not willing to fix this. She flat-out refused to fix this despite knowing this is going to be an issue. All these issues and not one person has been able to assist me in resolving this or making payment easy and with options promised. I have repeatedly requested the simple option of biweekly payments and have repeatedly provided whatever documentation they have requested. I requested a supervisor contact me and as of this writing they have not called. Every contact I have had with RPS has been a hassle. It seems they go out of their way to be a problem. They go out of their way to not be willing and/or able to help. I have been nice about this, I don't get ugly. I have seen other similar complaints online and I wanted to get this out there for others to see. I will not be buying a house with a loan that uses RPS for servicing. I will also be researching on which regulatory authority to complain to for this.

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 2018-05-11 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: Berndt & Associates, P.C.
State: MI

Complaint narrative:
In XX/XX/XXXX .I try to pay this company..I start making payment through XX/XX/XXXX ..The collector say don't worry about the last payment of XXXX..But I was blinded sided by this my account was sold to XXXX XXXX.I try to resolve this account with .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .I went to day XXXX a clock to resolve this .But they had no Empathy act all..I told them I had a XXXX XXXX when I lost my job .and act that time I  was In a serious accident that made me no longer a XXXX.I feel nobody will understand until there in shoes.ADA .The little money I save they took. How can a judge let a collector take from XX/XX/XXXX..I didn't like what she said file bankruptcy..Im trying to get back on track and bill a strong credit.not damage and make it hard for me to rent.I pay my on rent and no help from Hud..i asking this company to let me go or make a settlement .like I told the lawyer in court I don't owe this money ... I. wish they would find different judges..Because I think they all friends because they never listen always take the lawyer side. I thought judges are supposed, to say this is a hardship case Dismiss this case.under the law.. Please I hope you can have mercy and help .with no charge .I just want to free from this Loan sharks. Thank you for your corporation in this matter XXXX XXXX XXXX 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 2018-05-11 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: OH

Complaint narrative:
I filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 

The account is XXXX XXXX XXXX XXXX, and EXPERIAN came back saying this is a valid account but did not provide an Affidavit of Debt or documentation that I actually opened the account. The other two credit reporting bureaus removed the account because they were able to verify that this was not my account.

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