vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Beginning on XXXX XXXX I filed a direct dispute with Transunion credit reporting regarding the following inaccurate items on my credit report : -XXXX XXXX and XXXXt show 2 late payments in XXXX. I was a XXXX XXXX XXXX, I did not have payments due. They did not take action. 
-XXXX XXXX XXXX loan closed in XXXX, I requested this be removed from my report as it met its maximum amount of time. They did not take action. 
-A BK that met its 7 year limit from XX/XX/XXXX, I requested be removed, they took no action. 
The file number for the online disputes is XXXX. I have also submitted letters ( XXXX and XXXX of XXXX ) with proof that I was a XXXX XXXX XXXX during the times in question, to follow up and have received no reply, and there has been no action to rectify my report with Transunion. In these letters I asked that some of the credit inquires from XXXX be investigated and removed as well, as they were not authorized by me. All other credit bureaus I asked for these corrections complied within 30 days. Transunion has made no effort to resolve the issues and it has been 8 months.

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 2019-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
During my Senior year of attending The University of XXXX XXXX I had to apply for 3 private student loans through Wells Fargo in order to be able to complete my degree. I had been paying ON TIME, full payment amounts, when ever I would receive a bill in the mail. I was never sent the " Loan Account Detail Summary '' sheet that they send in the mail with the current bills I am getting nowadays, which shows which loan I am paying towards so I am able to write the loan # in large on my checks and paystub. When I would make my payments, I was under the impressions that Wells Fargo was allocating my payments accordingly to the loans that they should have been going towards. After about 6 months - year of making payments, I receive information in the mail that 1 of my 3 loans had gone into default due to missed payments and that I needed to contact them in order to get loan back into " recovery '' status. I had contacted Wells Fargo and explained the situation. My concerns were sent to a senior officer at the company, however they continued to stand by their claim of my loan being in default was accurate ... I am furious. I have managed to get that specific loan back into recovery by having them automatically withdraw out of my checking account monthly but this is now affecting my ability to purchase my first home, please help if possible : (

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Applied for an Auto Loan through XXXX XXXX XXXX and found out that Equifax has me filed as deceased. My wife received a letter stating they were sorry for her loss and that her husband had passed away. This was very upsetting to her and caused a lot of pain. 
I've contacted Equifax three times to resolve this issue and still they are unable to fix the problem. I don't understand how a dead guy can still make payments on an auto loan and that not alert any questions. It seemed to be so easy to file me as deceased, but impossible to bring me back to life. I'm not sure how a company like this is trusted to hold several accounts with personal information. 
I'm just curious if my information was part of the XX/XX/2018 breach? 
Thank you for your help, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
The principal owed on my mortgage is far less than 80 % of the value of my home. I was told by Rushmore mortgage that my PMI can not be removed for at least another 5 years. 

Is this correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XXXX XXXX  is a debt buyer who is misreporting to at least XXXX, XXXX and XXXX, a debt they bought from Capital One Bank, specifically my old MasterCard # XXXX. Its a very old account of mine that I last made a payment on or about XX/XX/XXXX. XXXX  lists the debt on the credit reporting agencies as of the date they bought it from Capital One, which was aroundXX/XX/XXXX.

Although I have had numerous phone calls and letters exchanged with XXXX, they refuse to report this debt accurately to the credit reporting bureaus. It should be removed from the credit reporting bureaus as the debt is older than 7 years. 

Can CFPB help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: AES/PHEAA
State: MI

Complaint narrative:
I graduated in XXXX of XXXX and received notification from XXXX  about filling out my paperwork for my XXXX Grants. I filled out the paperwork, sent it to my secretary who forwarded it to corporate ( since I was working for XXXX XXXX XXXX, a XXXX XXXX ), and later received notification from XXXX that my grants converted to loans. I called to let them know I sent in the proper paperwork and they told me it can not be changed back once converted. My loans for a XXXX   degree went from {$30000.00} to about {$50000.00} overnight. I talked to them about doing the Public Service Loan Forgiveness and they told me to make the minimum payments since it would all be forgiven after 10 years. I did as they explained and realized it was a huge mistake when I saw my total loan amount going up. Eventually I sought out a higher paying job outside of XXXX because I was unable to keep up with the payments. Today, my total loan amount is around {$55000.00} and I began paying in XXXX. I would never recommend anyone work with XXXX after the way the misled me when I was trying to do the right things and pay my loans back, even after they converted my grants in such a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Febuary XXXX - XXXX XXXX  XXXX XXXX XXXX FIRST REPORTED DISPUTE - XX/XX/XXXX - RESULT XX/XX/XXXX WITH TRANSUNION- NO CHANGE ON INACCURATE BALANCE DUE. 
DISPUTE XXXX XXXX XXXX RESULT BACK XX/XX/XXXX WITH TRANSUNION - FOR DUPLICATE ACCOUNTS And would like to know why and how they are allowed to continue to damage my credit with this inaqurancy? 
Also according to credit report accurancy, the account has it 7yrs on my credit report as of 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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Issue # 1-Freedom Mortgage-I have always mailed my payments on the XXXXarrive by XXXX..In XXXX the same thing, mailed on XXXX..I went online and saw that it never was applied, on XXXX XXXX I paid online plus the late charge. They eventually found the lost payment and applied it too my account on XX/XX/XXXX. would like to get reimbursed for late charge. 
Issue # 2-XXXX I mailed in {$1500.00}, normal payments $ XXXX.They cashed on XX/XX/XXXX. 
I have made 3+ phone calls to customer service/supervisors, plus emails. Not one could show me it was applied and an extra {$310.00} applied to Principal..They just said I will send you the account history going back to XX/XX/XXXX which I have enclosed. I called back to customer service, and mentioned that I am all good until XXXX XXXX. But after you sent account history and all your addition and subtractions to my account, I don't see the {$1500.00} applied, and I only see 1 full payment applied since XX/XX/XXXX ( when you subtract everything out ) and I have made 4 full payments..After an hour she could not figure it out, went to a supervisor, we got cut off after waiting 15+ min. I called back talked to another person which I didn't want to explain for another hour, told the other lady to please call me back, and she never did. Very frustrating and here is where we are!

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 2019-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I overpaid my 2nd mtg by {$1200.00}. I by my mistake sent in a check in the amount of {$1600.00}, but it should have been in the amount of {$370.00}. When I found out my mistake while reconciling my bank statement, I immediately called Select Portfolio Servicing and let them know my mistake and asked them to send me the difference I overpaid via a check by mail. This call was made back on XX/XX/XXXX. Since then I have made numerous follow up calls regarding my check, each time I have been given the run around about receiving my check. I have been told it was mailed out regular mail on XX/XX/XXXX, I was told by supervisor XXXX XXXX ( XXXX ) on XX/XX/XXXX that the check was overnighted via XXXX on XX/XX/XXXX but could not give me a tracking # because cashier dept was closed at the time and he would call me back the following day ( XX/XX/XXXX ) with that info. XXXX called me back the next day ( XX/XX/XXXX ) and said there was no tracking # to be found so he requested that they send out another check via overnight, but again he said that he would have to contact cashier dept again to get the tracking # and he would call me back, but he never did. I have sent them a copy of my bank acct statement that the funds where withdrawn from my acct as proof that they requested and to this day I have received nothing but stories.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Performant Financial Corporation
State: OK

Complaint narrative:
I never heard of XXXX XXXX until I was sent 5 letters advising me of collection for school debt last yearXX/XX/XXXX. 
Currently I have been under a XXXX XXXX plan. Recently on XX/XX/XXXX and XX/XX/XXXX my Federal Taxes and Oklahoma Taxes were taken from me and applied to a delinquent debt. The applied debt was taken by U.S. Department of Education C/O XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, Pa XXXX. Also Oklahoma State Regents for Higher Education, XXXX XXXX  XXXX, XXXX XXXX, Oklahoma XXXX. However, this Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, In XXXX and another collection agency XXXX also a third party collection agencies, never proved that I made a debt with them. I was never taken to court by either one of these two companies. XXXX XXXX XXXX never tried to contact me directly to advise they were going to take my taxes. They have never shown in writing any proof of my original copy with signature of this debt. I believe this is an unjust claim for them to take my Federal Taxes and Oklahoma State Taxes due to the nature of the claim. To resolve the problem, I would appreciate and request a full refund. I look forward to your reply and a resolution to my problem, I will wait hopefully for sometime in XX/XX/XXXX for a resolution. I received a phone call yesterday leaving a message without whom to contact and advising me they will be coming after my pay check. I need assistance as soon as possible. I sent letters also to My Consumer Protection Agency and My Attorney State General. Oklahoma tax was {$920.00} XX/XX/XXXX and last years they also took XX/XX/XXXX $ XXXX.Also included they took my Federal Tax {$2900.00} XX/XX/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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I WAS NOT AWARE OF A LUMP SUM OF XXXX THAT I HAVE TO PAY AT THE END OF THE LOAN. i REFINANCED WITH FAY SERVICES, THEY LOWERED MY INTEREST RATE. I NOW CAN AFFORD THE MORTAGE BUT WHEN CHECKING ON MY REDIT REPORT I FOUND OUT THAT I OWE THIS XXXX. WHAT SHOULD WE DO? MY HUSBAND IS NOW RETIRED AN WE NEED TO SELL THE HOUSE RELOCATE, WE WOULD HAVE TO DO A SHORT SALE TO BE ABLE TO SELL THE HOUSE, OWING THIS XXXX IT WOULD HAVE TO BE SOLD AT MUCH HIGHER PRICE, THERE WOULD BE NO BUYERS WILLING TO PAY THIS. A SHORT SALE WILL DAMAGE OUR CREDIT, WE HAVE WORKED VERY HARD ON IT BEING OVER 750. IT SEEMS AS IF THE MEDIFICATION SO CALLED HELP IS A SCAM. THE SEEM TO HELP NOW BUY PAY LATER THE INTEREST THAT WAS REDUCED AND IN ONE PAYMENT. SHADY BUSINESS. PLEASE HELP US RESOLVE THIS ISSUE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: FL

Complaint narrative:
I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA

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 2019-03-08 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: FL

Complaint narrative:
I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX  account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ... 

I need to find out who did they speak to? 
how was this information verified? 
who completed the investigation from the credit bureaus? 

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: FL

Complaint narrative:
I been reaching out to all three credit bureaus and I have asked them to do an thoroughly investigation on all late payments showing on my XXXX XXXX   account number XXXX according to FCRA 609 ACT. It clearly states that they are supposed to remove any negative items they have not investigated completely ...

I need to find out who did they speak to?

how was this information verified?

who completed the investigation from the credit bureaus?

It clearly states by law that if they did not complete the information between 30 to 45 days these items are supposed to be removed I am demanding these late payments to be removed due to the credit bureaus violating the FRCA

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 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from Cach or Resurgent LLC. Who I found out after speaking with XXXX XXXX that they transferred the debt back to Resurgent LLC. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When Cach first took over this account in XX/XX/XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with XXXX  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: MO

Complaint narrative:
I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing 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 2019-03-08 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: MO

Complaint narrative:
I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/XXXX and XX/XX/XXXX, then after the disputes it will say 30 day late XX/XX/XXXX XX/XX/XXXX, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America hired a foreclosing company called XXXX to foreclose on me XXXX was never licensed in AZ Became illegal matter Bank of America owes me my money back Bank of America keeps delaying the matter

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