vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wife and I bought a home and had the mortgage threw XXXX XXXX. When I announced that I wanted a divorce she stopped making the house payments. This was in the fall of XXXX. As soon as I found out I put the house up for sale and it sold right away. Again this would have been the fall of XXXX. The problem is that XXXX continues to report this mortgage on my credit report with a payment history that shows current as of XX/XX/XXXX and comments that read as Foreclosure redeemed. It was never foreclosed on, not while it was under my name anyway. It was paid late as I said but its not reporting any late pays. I have gone to all three bureaus and XXXX XXXX directly multiple times and have been ignored every time.

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 2018-06-22 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On my credit report, I have a hard inquiry by XXXX, whos description is National Credit Cards/Airlines. After calling XXXX XXXX, they kept giving me the run around, tons of transfers to different specialists, and finally given a fake number to call. Tried to get back in touch, a different operator told me the only thing they can do, is to have me call the bureau ( XXXX ) whom told me to call XXXX XXXX   and get an inquiry deletion letter and mail them the copy with numerous other things. Although XXXX XXXX will NOT give me one since they do not know me or have an account with me. 
Also, they have no clue about the description National Credit Cards/Airlines so that just made everything even more confusing. Im in a circle of being told to call people over and over.

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 2018-06-22 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.

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 2018-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I receive up to at least 30 calls a day from this company back to back. They range from being 10-20 minutes apart to at least 5 an hour. I understand I have a debt that needs to be collected but to call me this many times a day, starting immediately at XXXX sharp, is ridiculous! I would like for them to just stop contacting me all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: RI

Complaint narrative:
After graduating from XXXX University XXXX XXXX XXXX XXXX in XX/XX/2006, with my XXXX XXXX XXXX in XXXX XXXX, I began to repay my loan thinking I would eventually qualify for the Public Service Loan Forgiveness ( PSLF ) program.

After working in a XXXX XXXX in XXXX for 7 years and making 84 payments ( out of 120 payments ) needed for the PSLF Program, I was told that I was in the " wrong '' repayment plan the whole time, and they would not be able to count these payments towards the PSLF. 

After I left the school district in XXXX, I came to XXXX XXXX and have been working in the XXXX XXXX for an additional 6 years. I have now paid 72 payments towards the PSLF Program. 

I am angry that XXXX XXXXXXXX XXXX is not counting my time in XXXX   towards my loan forgiveness, and have rejected my application. 

My husband is a XXXX XXXX XXXXXXXX and XXXX XXXX Veteran, and is unable to work. XXXX  XXXX XXXX has since raised my payments to over $ 500/month. 

It is completely unaffordable. I have the time in and have spent thousands of dollars toward a program that THEY changed the guidelines for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
There was a total loss on my vehicle and Wells fargo incorrectly reported my loan past due and continues to report it past due. I spoke with the total loss department and it has been verified twice now they agreed to submit to the credit agency that the payments reported late were never late. I just disputed this on my credit report after talking to a wells fargo agent because she said that was the way to get it off my credit. They will send the request to wells fargo and it will show the notes that it was to be taken off. The only reason this account was considered late in the first place was because wells fargo incorrectly filled my loan documents out and could not provide my insurance company with a title so they withheld payment. My insurance company was ready to send a check to wells fargo about 7 days after the car was totaled. Wells fargo is reporting my payment 90 days late. All of the conversations are noted by wells fargo and can be confirmed that around mid XXXX i spoke with the total loss and they agreed the defaulted account was not my fault and would be corrected.

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 2018-06-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Several checking accounts have been opened in my name without my knowledge or consent. I have extended fraud alerts on all of my credit profiles but somehow these accounts STILL get opened. 

About two years ago someone broke into my apartment and stole several things, including my social security card, driver 's license, birth certificate and passport. It has been terrible. I filed a police report and FTC identity theft affidavit and have attached both. I also attached ID and letters from other banks that also opened accounts in my name, investigated them and found I was not the person who opened them.

I have my early warning services report and all of the reported information is incorrect. All of the account closures are incorrect because I did not open the accounts. All of the inquiries are incorrect because I didn't apply for the accounts. I have no applied for or opened a checking account in over three years. Anything new information reported within a three year period is not me and is a result of the apartment break in that resulted in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee.

On XX/XX/XXXX, Banco Popular reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report.

On XX/XX/XXXX at XXXX XXXX XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
XX/XX/XXXX Good morning, We're reaching out to you, in the hopes that you will assist us, with our negotiations, with Ocwen loan servicing. 

We are WELL aware of the fact that Ocwen has a very long history of deception and fraud, when it comes to dealing with distressed homeowners and we need your help in our situation. 

We began our negotiations with them on XX/XX/XXXX. At that time we got a snapshot of our account status and we told XXXX, employee # XXXX that we would be submitting all paperwork required for review of our loan. 

On XX/XX/XXXX, we spoke with XXXX XXXX employee # XXXX. She informed us that all 52 pages that we faxed, were documented, imaged in and that the review process would begin within 3 to 5 business days. 

During the month of XXXX, we were required to resubmit the XXXX form, along with proof that my husband, XXXX XXXX, was the Executor of the Estate on this account.. TWICE. We did so happily. 

During the month of XXXX we've had contacts with them on a weekly basis and each of those conversations, we were told that our request for modification was being reviewed. 

We spoke with Ocwen on the XXXX, to XXXX, employee # XXXX and then to XXXX XXXX, employee # XXXX. At that point we were told that NO modification was being reviewed. 

We requested to be transferred to a supervisor and we spoke with XXXX, employee # XXXX. He told us that the original request for modification was, in fact, closed on XX/XX/XXXX. Meaning - Ocwen has been lying to us for the past 3 weeks. 

In order to review this loan for modification, a request ticket for an Assumption Modification must be made first. Documentation must be submitted for that and once approved, the formal modification can be completed. This was discussed during the very first conversation we had with Ocwen and they agreed that this would be done simultaneously, with our request. 

All of the notes from our conversations are attached to this complaint and we're asking that you reach out to Ocwen immediately, so they take this matter seriously and we get to where we need to be as quickly as possible. 

Thank you for your help with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I lost my job last XXXX. Navient put me in deferment. Ive been in regular communication with them, they wouldnt offer income-based repayment, said the lowest was $ XXXX/mo. Been trying to reach them since I started a new job last month. I cant get through to a person. Last night, I received a certified letter that theyre going to take me to court if I dont respond by XX/XX/XXXX. Ive been calling the number in the letter and every number posted on their website this morning and none of them work. I can get no further than the 3 prompts. When you select to remain on hold the message replays, if I select to leave a message, the prompt message replays. If I select star for the main menu, the prompt message replays. Its been 2 hours now and I have had no luck. I believe they are nothing but fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX has appeared on my credit file through Transunion. I disputed XXXX in the past and it was removed off of my credit file. Once item has been removed off of my file you can't re report that information because of the Fair Credit Reporting Act

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 2018-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
My loan was not made in good faith. GRI changed my APR from 4.25 to 4.5. The Closing disclosure I signed was different that the one at closing.

GRI sent me TILA-RESPA LOAN CHANGE Disclosure in mail on XX/XX/18. However this LOAN CHANGE disclosure was never given to me and is missing DOCU SIGNATURE. The documents states APR changed to do score change.

There was no score change. Credit score used for lOAN is attached The only TILA-RESPA LOAN CHANGE disclosure with a DOCU SIGNATURE that was given to me is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22 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: NY

Complaint narrative:
This is not an account that should be on my report. I have never lived In This complex. 

I have been a victim of identity theft. and will be attaching an affidavit to this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is the 2nd time in the past 3 weeks that Chase Bank has improperly made a payment to itself from my checking account and overdrawn my checking account. Despite the fact I was no where near a computer or phone at the time they're saying, they say that someone must have logged into my account and paid off my balance. I've never had autopay. The previous incident I had to have my bank put a stop payment on the payment because they erroneously tried to charge my for something I didn't authorize. Later, I had to remove a stop payment so I could make a normal payment. Chase reversed the actual payment I scheduled and instead put it upon themselves to take everything out of my checking account without my authorization. I looked into my account where it shows logins and IP addresses associated with such and there's nothing for the time and date in which they're claiming that someone logged in and made this random payment. How can that be so? Chase is failing to address this issue in a timely manner and they are also failing to admit fault when this is clearly an issue that they have caused twice. Now, going into the weekend I was told that I won't be called today but probably Monday or Tuesday. This is unacceptable and unprofessional. Their error should take top priority in fixing and remedying the situation, instead they have me on the phone for 2 hours, say sorry, and then hang up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
THE ACCOUNT WAS CLOSED BY BANK OF AMERICA DO TO A SIMPLE FIRST TIME MISTAKE THAT I DID NOT KNOW ABOUT ... BUT THE COMPLAIN IS ABOUT THE TRAVELING REWARDS OF XXXX THAT THEY ARE SAYING THAT EXPIRED DO TO CLOSING OF THE ACCOUNT ... BUT NEVER RECEIVED ANY KIND OF NOTICE ... SEE ATTACHED FILES. THANK YOU 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 2018-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I checked my credit report and discovered that this company has reported that I owe them a debt. I never received notification of this debt prior to them placing it on my credit report. My rights were violated

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.

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 2018-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account on my credit report.

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 2018-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I received my mortgage statement for XX/XX/XXXX with a payment amount of {$9800.00} and when I add up what the document says I owe it doesn't add up. 
1. principal- XXXX 2. interest- XXXX 3. escrow- XXXX 4. other- XXXX regular monthly payment- XXXX total feels & charges since last statement- XXXX past unpaid amount- XXXX This adds up to {$8000.00} According to the statement I owe {$9800.00} I called to question the discrepancy and was informed by employee ID XXXX XXXX XXXX that she couldn't give me any information. 
Today I paid {$8700.00}. Where is the difference coming from? I also don't see an explanation for the fees totaling XXXX. This company doesn't answer my question but refers me to the bankruptcy attorney and they don't give an explanation. I really believe they aren't trying to assist me with keeping my home on any level. I need answer and cooperation with keeping my home through modification and forbearance.

Company response to consumer: Closed with explanation