vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-28 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: FL

Complaint narrative:
The  XXXX   XXXX  is reporting several incorrect items on my  XXXX ,  XXXX  and Experian credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XX/XX/XXXX    (  XXXX   ),  which the last payment made was in   XXXX  . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The Home I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.      The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional  two  years which it legally can not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: FL

Complaint narrative:
The  XXXX   XXXX  is reporting several incorrect items on my  XXXX , Transunion and  XXXX  credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in   XX/XX/XXXX  (   XXXX   ), w hich the last payment made was i n XX/XX/XXXX . Second, it is re porting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The  XXXX  I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.   <P/> The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additiona l two yea rs which it legally can not do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
On   XXXX   XXXX  , I  app    l ied for  a Conventional Fixed Rate First Mortgage at 5.000 % at  BBVA Compass Bank. After being pre-qualified for this loan amount that my credit score allowed.  I was instructed by  XXXX   XXXX   XXXX  mortgage loan  officer for BBVA Compass Bank to b egan looking for a house. After spendin g three mon ths looking for a house, we finally located a house that we like and thought was our dream come true. Once, we agreed that this is the place we want, then we were ask for fees, starting with a {$500.00} deposit for th e Realtor at  XXXX . After  that, we were ask for {$270.00} inspection fee of the house. We paid all of these fees and was about to pay an additional {$420.00} fee for appraisal. At the sametime, we thinking that it will not be long before closing time. However, the underwriter denied the loan because we were lat e one time in three years on a    XXXX  credit account.My problem with this process is telling us that everything is going great and time we spent looking for a home. Also, thinking loan was approved! we would have wasted our time and money for this. Another question is will we get our money back spent on those fees. I think the underwriter should have the first look at the application, before my time was wasted and they could have made that determination in the beginning. Now they want to offer us another Conventional Loan with a {$2400.00} down payment for the same house. However, I 'm a little worried about this cause the late payment  in three years  on my  XXXX  credit card is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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 an account for  XXXX   XXXX   XXXX  several times now with Transunion and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A )  ( 5 ) ( B ) ( ii ), the dates are as f ollows  :   XXXX   XXXX   XXXX      ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX  . Also not to mention, I feel that they are also attempting to reage this account by continuing t o change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCR A Section 605 ( c ). I curre ntly have an open dispute with Transunion and fear that I will still have no resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: LA

Complaint narrative:
I am a senior citizen and  my sss chec k was garnished  by ECMC for a st udent loan I had nothing to do with. I never heard from ECMC until I discovered that they was responsible for this invasion of my privacy and identity theft of my personal identifiers, namely my social security number, my date of birth to fraudulently take money and I must say badly needed money for mere survival from my check.Had they exercised due diligence they would have known that this was not a loan of mine. when I spoke with them about adhering to the FDCPA laws they stated that it does n't apply to them when in  XXXX  V. ECMC the  XXXX   XXXX  clearly stated that they  ECMC are  subject to FDCPA laws as a debt collector. Now being that they are aware of this ruling they are using deceptive trade practice to deceive the consumer and to defraud them out of their hard earned money, plus praying on senior citizens of which I am.Had I not discovered their deception they would have taken over  XXXX  dollars from  me.ECMC  have also violated La Deceptive Trade Practice laws and Civil  RICO  statures by scheming with  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX ,  N > Y >  and  XXXX  and   XXXX   XXXX   XXXX   XXXX    to   defraud me out of my money, they also drag the TREASUR Y Dept into this  scheme and t he social Security Administration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Almost month and half ago I got an Annual Account Disclosure Statement from Statebridge Company. Me and my husband noticed an error in calculating of a shortage of my escrow account.   Statebridge wrote d own   XXXX   XXXX    you - {$2800.00} twice i n  XX/XX/XXXX  and  XX/XX/XXXX  in  st ead once only. This error has been corrected a few days ago, but we have gotten bigger problem now.   Statebridge wants us to pay a cushion of {$2000.00}. We spoke already with Statebridge representatives and sent numerous emails to  Escrow  Department, but they did n't want to remove it.   The cushion is big difference for us, it is {$170.00} more than our monthly payment. We can not afford it, because we have to pay a shortage of {$460.00} and Anticipated Payments to escrow of {$1300.00}. In addition,  in  XX/XX/XXXX  our princip  al payment will be raised to 4.75 %, so our monthly payment will go up to {$3200.00} - {$500.0 0} more than we pay now. We would never apply for such loan or be accepted by a mortgage company.   Under RESPA Statue a lender is not required to maintain a cushion. We have never paid a cushion in the past. This is a modification loan, issued by  XXXX  and transferred to  Statebridge for servicing only. Also, we called Statebridge to pay off  our current escrow balance - {$460.00}, but the representatives did not want to accept it.   We would like to make payments on time like before, and in our opinion the cushion is not necessary. Our property tax fo r  XX/XX/XXXX / XX/XX/XXXX  will be low er than previo us one. Enclo sed a letter from    XXXX   XXXX   XXXX  ,  signed by the mayor of  XXXX , that our city tax rate will be much lower than current  one. It goes down to 3.29, so 2.6 % lower than current 3.38 one. Also  you can see our tax assessment fo r  XX/XX/XXXX . Acc ording to our calculation, if  Statebridge  does not set up a cushion, we should get a credit for next period.   We would like to be good customers, pay our monthly payments on time, this is good for a mortgage company too.   We think there is no reason to set up a cushion for us. It seems that Statebridge Company wants to collect extra money from us.   But we hope, we can solve this problem together.   Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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 an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
<P/>
The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase sho ws an equity loan still open when in fact in was paid and closed Still shows delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: NJ

Complaint narrative:
XXXX  shows an equity loan still open when in fact in was paid and closed Still shows delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: NJ

Complaint narrative:
XXXX  shows an equity loan still open when in fact in was paid and closed Still shows delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: TN

Complaint narrative:
I signed up with XXXX XXXX XX/XX/2016 in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was : TENNESSE FEDERALCOURT - it was dated for XX/XX/2016 XXXX XXXX XXXX XXXX XXXX, TN XXXX About a week later My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX XXXX, 2017 CFPB : JPMChase needs to provide me, for ARM Loan XXXX, the Documentation for the amounts : Total Fees Assessed {$1100.00} ; Total Fees Paid {$480.00} ; Total Fees Waived {$690.00}. These amounts appear in JPMChase ' Response dated XXXX XXXX, 2017, to CFPB Case XXXX, which has JPMChase Reference Number XXXX. JPMChase took ALL my Financial Documentation, including, but not limited to, ALL my Mortgage Documentation. I require Documentation, including JPMChase Internal Documentation, if necessary, to explain these three ( 3 ) amounts. If Documentation is not provided to explain every penny of these amounts, then I want JPMChase to refund to me the {$480.00}, that, JPMChase asserts, I paid. Said Documentation is to include ALL Computations involved, including Intermediate Results. <P/>Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, # XXXX amount of {$790.00} the account was charged off for amount of {$790.00}. On XX/XX/XXXX the account was then turned over to Midland Credit ( MCM ) Management, Inc. MCM account # XXXX. The account was paid in full. but it is showing on my credit with {$0.00} balance showing that it was charge off. When I tried to received a loan or credit they tell me it not showing that I paid the charge off. ; it showing still as a charge off account. this account was settle on XX/XX/XXXX. the reason for this deliquency was a cut in my hours on my job. Why is it still showing as a charge off and not a paid charge off. I know that my race has a lot to due with this. I did not let this stay on my credit I paid it off. I am so sorry for not be able to pay my bill on time, but they cut my salary down to nothing. But I paid off all negatives with my INCOME TAX. I have called them several times they told me that it is going to show up as a charge off, I do n't understand, because it should say that I paid the charge. I had a rejection last week and they told me the same thing until I showed them the letter that MCM sent saying that I paid the charge off. I hope that someone can help me with this situation, if not I will purse other options. Thanks for your time please see attached letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28 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: IL

Complaint narrative:
XXXX   XXXX ,  XXXX  CFPB : Experian Report  XXXX , dated  XXXX   XXXX ,  XXXX , fails to list my full-time employment,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , since  XXXX , with the State of Illinois, my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my   XXXX   employments added. I want true copies of the  Source Docum ents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlemen t ( NMS ) an d the Independent Foreclosure  Review ( IFR )  because  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging m e LIBOR, forced  me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-28 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: NJ

Complaint narrative:
I 've called Transunion when I attempted to get a credit card and due to my name being similar to another individual down in a different city in the same state, they confused me with this person. I have no credit history but I was able to pull a  XXXX  thanks to this other individual. Furthermore, I ordered a credit card and I 'm most certain am believing my purchases and score is   helping the other person and not me. Only through Transunion am I having this problem.
I called again to get my record cleared and they kept telling me to print out a copy of my SSN and ship it to the address, which is absurd to provide something so precious and delicate into a mailbox that can be intercepted without any consent and will not try to sort this out over the phone.
To add insult to injury, I was starting at high school, this other individual had a time share loan taken out and this is n't enough to explain this account is not mine. And only through Transunion does it enter as   XXXX   XXXX   XXXX   comes out clean.       And thanks to checking Transunion, I 'm getting letters from collection agencies for debt that is n't mine and if it get thrown to court, and arrested, I will have to respond back in a defamation case and ask for 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 non-monetary relief
Consumer complaint received 2017-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One approved for a small line of credit. Requested proof of identify. I sent a copy of my license and lease after verifying that I was able to verbally verify my ss number. 4 days later, I was told after I called back that they needed more information. They stated several times that this was standard for new accounts. I get a letter at my previous address, where my mom resides, that says it was due to information not matching at the credit bureau. I then, get my ssn card directly from the administration office and send it over with a copy of my water bill because my lease wasnt enough proof of identity. At this point, they said the id was too blurry and said no it was too dark. Later, we determine nothing wrong with the ssn card sent, but they needed to see a full bill not just the part containing my info because the water company was closed and could not verify the address. I send a full bill and qas disconnected from the phone. At this point, I call back to find that the full bill is not good enough. The delay and repeated phone calls while collecting my information is high unethical. I am also pretty sure they were sending it to some foreign country where they outsourced a call center. No one can verify anything and a manager could not be reached. I spent hours on the phone even though it was an online application and I verified all my info and more. There are some weird practices going on and they need to be investigated.

Company response to consumer: Closed with explanation