vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: LEXISNEXIS
State: CA

Complaint narrative:
Seemingly out of no where, Lexis/Nexis is reporting to my bank (   XXXX   XXXX   XXXX   )  that I am " deceased ''. Using information supplied by Lexis/Nexis,   XXXX   XXXX   XXXX    cut off my credit and debit card and froze my home equity lines. .  XXXX   XXXX   XXXX   has done an excellent job in reversing these errors and getting my card and line access reinstated. I reported this issue to Lexis/nexis and they said they would review my case but it would take up to 60 days. ( Lexis/nexis number  XXXX  ) However, as of   XXXX  , LexisNexis continues to report that I am " deceased ''. I am very concerned that this continued report of erroneous data will impact my other banking relationship, credit etc.    I want Lexis/Nexis to fix their reporting issue and stop providing this erronerous info about me to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC
State: NJ

Complaint narrative:
I applied with   XXXX   XXXX   whom use Corelogic to do background checks however I was denied due to too many tenant cases filed which was rectified by my bankruptcy attorney however with this company they keep reporting incorrect information which is preventing from getting a few apartments that I want. As result can this company be investigated for poor reporting practices ... I am sure I am not the only person whom have been defamed by this company is it possible to file a class action lawsuit?

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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
TransUnion is reporting  XXXX  separate  XXXX  energy accounts in my name in  XXXX , Texas.     I and my husband have lived in Nevada and I am attaching property records from  XXXX   XXXX  of the condo we live in currently since   XXXX  .     I have never done business with  XXXX  and this information needs to be removed as  XXXX  has not responded to me with proof that these accounts are mine, no papers with signatures or phot o IDs.      Why there are  XXXX  accounts opened on the same day is beyond me and why they would allow that is also beyond me when they should have pulled a credit report and would see that I live in Nevada.     Please instruct th  e Credit Reporting agency to remove this from my credit report immediately.
Regards,    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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is not reachable via the phone as I have been trying to reach them now for 2 months. Experian is reporting a collection on my account that has previously been deleted. This is a very old debt from   XXXX   XXXX  . When I contacted   XXXX    over 6 months ago, they advised they were no longer collecting on debt and to disregard as they will no longer be collecting on this debt. I then contacted  XXXX  several times to see where balance and numerous fees came from but each time I was told will research and call me back, but did not.   XXXX   consequently was deleted from my file and appeared again to my surprise  XXXX  on Experian.

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 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
Was going through financial hardships and fell behin d on 2 payments to Conns. I received a letter in the mail stating that I could pay a certain amount and make my account current ( an extension ). I called and spoke to a representative that told me that if I paid the required amount that my account would be current and the late payments would be removed. The   late payments were never removed from all  XXXX  credit bureaus and I called again to speak to a representative. This time around I was told to fax a letter stating what took place and to request that the late payment remarks be removed. I have n't heard anything back and the late payments still remain on my credit. I am working to improved my credit and these late remarks are hurting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Good morning, I added my husband as an authori zed user on two of my credit cards, but it made both of our credit scores decrease, so I asked them to remove him as an authorized buyer. They did, but they still reported the card information on his credit report. I asked if they could please strike the information from his record, as it is my debt and both cards are in my name associated with my SS #. They said they could n't remove the record. This is affecting his credit score, and as we pay off bills the records of these two card s remains an issue to his score being lower than we would like. I simply wanted to remove him and the record. I still have the cards and do n't even want to close the accounts, I just do n't want them on his report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is  XXXX   XXXX .   Report number :  XXXX  I had received the credit report and I found out the Experian was missed my credit card record beginning from  XXXX ,  XXXX  till  XXXX ,  XXXX , since I was activated from  XXXX   XXXX   XXXX  card. The Experian gave me the report just shows from  XXXX   XXXX ,  XXXX  till now.   Please e-mail me at  XXXX  XXXX  XXXX  or send it to me at  XXXX   XXXX   XXXX   XXXX ,  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is my fourth complaint against  Bank of America. The other 3 are,  in order of creation,  XXXX ,  XXXX , and  XXXX . Regarding the third complaint  (   XXXX   ), a BofA represent ative contacted me on  XXXX   XXXX ,   XXXX   to review the fact that not once but TWICE I was disregarded as a candidate for refinance, once last year and once early this year, with no advice for alternative programs, which do in fact exist. However, she decided she would not address this latest debauchery of apparent discrimination but would attempt to gloss over it by stating  ( 1 ) BofA ha s no record of my having filled out an application for refinance during or after this call, and thereby yet again attempted to pass responsibility for this failure back to me by alluding to the possibility that I never put forth the attempt and therefore I was never rejected . and ( 2 ) atte mpted to send me via phone over to their department/s that would in fact assist m e ( finally ). I told   her that the original issue and attempt to refinance were now, and at least for the time being, moot. I want the disregard and discrimination I experienced TWICE, once last year and once this year, fully addressed. For this is in fact now the overriding issue. I also told her I  told two other BofA employees, one of whom was also an RA representati ve,  XXXX   XXXX   XXXX , that I experienced this disregard, and disrespect TWICE. Both men knew of this but they decided it was unimportant. But it most certainly is important. I asked the woman if she had listened to the recording of my second attempt to refinance from this year. She stated she had n't. I then asked her why I would have bothered to fill out an application for refinance ( as she alluded I certainly must have if I inquired about it ... RIGHT??!! ) when I was told unequivocally on the phone, last year and this year, that I am ineligible? This she could not answer. I am stating herein that that second attempt occurred on  XXXX   XXXX ,   XXXX   at  XXXX  PM. I actually scheduled the appointment through  BankofAmerica online appointment calendar. I had a representative call me to confirm it. I have record via email of that appointment and I have record of the call to me from the BoFA loan officer  in my  XXXX  account. The call DID occur ... I was rejected after  3 minutes! I  want that call researched, investigated and analyzed before going any further. I refuse to take responsibility for this! I did n't apply because I was told I am ineligible!! TWICE!!

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 2017-04-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Delbert Services
State: OK

Complaint narrative:
XXXX XXXX with XXXX XXXX XXXX has been harassing me about a debt that was included in my bankruptcy in XXXX 2015. They have been calling my mother 's home also threating to take me to jail and it has been going on for 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 2017-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Holst & Boettcher, LLP
State: CO

Complaint narrative:
Holst & Boettcher  continue to harass and use demeaning effor ts of contact. Holst & Boettcher has come to my place of employment to serve dated and inaccurate information. This is both demeaning to my reputation and unnecessary. It may be a violation of both legal and consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
W e were vacationing a hotel and used the Chase Credit card to charge the room fees. On our drive back home the hotel left a message that we had vandalism in our room and that this was being charged to our cred it card. This was in  XXXX  and the fraud department at Chase has never investigated this fraudulent claim / charge on my card. On  XXXX   XXXX  i cancelled all of my cards at Chase and ended a  XXXX  relationship with them over this issue. Now since then I have written  XXXX  additional time to the company and they have now been charging late fees and interest payments on the closed account. Today I started receiving the call from their collections department and have no sense of being exonerated with regard to these false charges placed on my card. They call regularly and have no information they have reviewed and I have to explain to them over and over but no one is listening in their customer services department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NY

Complaint narrative:
Having trouble with  XXXX   XXXX   XXXX   XXXX . I am in an IDR plan. After a 1.5 % raise at my job last year I was notified that my payments will go from $  XXXX  month t o $  XXXX  month. W hen I complained about this I was told that if I switch to a standard repayment plan I will no longer be eligible for the payments to count towards PSLF. When I do the repayment plan estimator on the website, the highest monthly income based payment I get is $  XXXX  /month, eve n with factoring in that I am married, filed taxes jointly, and putting in our combined income ( which by the way is gross, not net ). When I call, no one is able to tell me really how they calculate this amount.   Also I am being given a hard time about my employment certification forms that I submit. For example, I had a hard time tracking down someone at the corporate HR office from my employer from  XXXX , so I checked off the box that said if you are having a hard time getting someone to sign, " the department will assist you. '' No one responded to me about this other than to deny the form. I even sent in my  XXXX  's from those years, which were supposed to be reviewed ; again, no response. When I finally got someone to sign the forms, they denied the form b/c the person did n't write her phone number down, even though they said they do not call the person. No one contacted her by email, or called me, they just told me " we 're just told to deny the form and move onto processing the next request. '' Basically I feel like the PSLF program not obtainable, it seems like they are just trying to delay the process until I either give up or switch to a more affordable payment plan that does n't count toward PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have contacted the Georgia Attorney General and they have contacted SLS regarding my account.  XXXX  sold my loan to SLS and I am paid until   XXXX   XXXX    . SLS does not acknowledge this and continues to mark my account past due, 71 days.  XXXX  has provided the information  3x per  my request and still no change in my account status or SLS acknowledgement. The Georgia Attorney As of   XXXX     there is no change from   XXXX   XXXX    .     An  SLS r epresentative called the week of  XXXX  and informed me that SLS is aware that I am paid until  XXXX , but when I calle d SLS  on  XXXX , there was no change to my account. I requested an updated statement based on this new information. I still have not received the revised mortgage statement confirming I am paid until  XXXX .     SLS continues to send information to the wrong address. My correct address, which I have sent to SLS via official  USPS n otification, is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX   XXXX    XXXX   ID #  XXXX  Received RESPA notice on   XXXX   whic h SLS  has already violated   XXXX    XXXX  ID #  XXXX  ID #  XXXX    XXXX    Executive Ser vices says they do not have information that I am paid u ntil  X/XX    XXXX   W as told my rep that there were  hundred of lo ans sold to SLS that SLS has not processed correctly and for which they have no information   XXXX    XXXX  no ID # Requested welcome letter and payment notice and received information on the Automatic Payment Program   XXXX   Requested  XXXX  send another payment history to SLS   XXXX    XXXX  automated calls daily  XXXX   XXXX  Account #  XXXX  Georgia Attorney General File #  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 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
XXXX   XXXX   XXXX  This account was sold to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   therefore they can not be reporting a balance on this account. On my credit report, they are reporting a balance owed of {$1300.00}.   XXXX   XXXX   XXXX   XXXX   XXXX   agency is also reporting the same debt on my credit file.  XXXX   XXXX  needs to update the balance to  XXXX  immediately or delete the account off my credit file!! I have tried numerous times to get this corrected and I am being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Nationstar Mortgage LLC continues to raise my mortgage by significant sums citing an escrow shortage despite no change in my taxes and, a minute, {$50.00} change in annual insurance premium. They informed me of a lowest minimum balance requirement ; stating that is why my escrow account requires more money. My previous servicer would send me a check for any overage in escrow every year, report interest earned on the account and credit my account that amount.  Nationstar has failed to do either in the past 2 plus years they have been servicing my  loan. I have called to complain about this issue every year at the time of the escrow analysis with no resolution. At this point, they have informed me that I can either refinance my mortgage with another company or continue to be price gouged in the name of the escrow account. Neither solution is viable. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Several years ago, my husband, who was ill with   XXXX   and beginning to have   XXXX   XXXX  , was persuaded b y Navient, which had recently taken over administration of the PLUS loans we took out to pay for the last two  years of our youngest son 's  XXXX  degree at  XXXX  College from  XXXX  to  XXXX , to 'consolidate ' the loans. He was promised that if he died before the loans were paid off, they would be forgiven and I, his widow, would not be left with responsibility for them. He died in  XXXX  of  XXXX , and when I calle d Navient to inf orm them of his death, they said I must repay the balance, which was over {$50000.00}, various fees and penalties having been added. Facing a severely-reduced income ( I lost my job in the crash of  XXXX  and was forced to retire without an adequate pension of my own ), I reminded the agent of the promise made to my husband. After months of wrangling, they did agree to reduce the principal to {$28000.00}, setting me up with an income-based repayment plan, but it is due to expire in  XXXX  of this year, and I will have to reapply, and go through the whole process again. I am  XXXX   years old , have just been diagnosed with a   XXXX   XXXX  , and am having trouble dealing with these kinds of issues. I feel that the promise made to my husband should be honored. My income is fixed, but my rent and other expenses keep increasing. I am also being held responsible for past taxes due to the IRS, for which fees and penalties have been added, bringing the total to nearly {$20000.00}. I was able to work out a payment plan with the IRS, but it is costing me another {$250.00} a month, and most months, I run out of money before the end of the month, no matter how careful I am. I have been forced to max out my credit in order to get through the month, and feel like a house of cards that is collapsing. My husband left me a little bit of life insurance, but it is long gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST
State: CO

Complaint narrative:
Bank of the West,  Co-Trustee of a family Trust for 7+ years, is currently refusing to provide a complete d  XXXX  for the partial year (  XXXX  ) of   XXXX  . They continued as  XXXX  during this period, administering the investments of the  Trust,  and taking their fees, as usual. T he Trust Officer 's ( or former Trust Officer 's )   answer to the Co-Trustee 's inquiry regarding this essential tax document (  XXXX  ) was : " You are no longer our customer. We do n't have to provide the  XXXX  for you. '' If this is not outright illegal, then at the very least, I would think it is unethical. Although they have sent a huge report listing all transactions in and out  of the Trust  from   XXXX   XXXX     through   XXXX   XXXX   XXXX    , expecting the beneficiaries to condense this information into a  XXXX  seems a bit like a vindictive act. The Bank 's ability to render this information into a proper  XXXX  would likely be done via computer, and might take all of  XXXX  minutes.   The former  XXXX   XXXX ,  XXXX   XXXX , has made multiple statements to beneficiaries in the past which are either untrue, or are outright hostile.  One specific one which stands out in my mind is an assertion that the money in the Trust is " our money ( meaning the bank 's ), so we will do as we please. '' T his is not only patently false, it is offensive. This particular statement is what led to the family suing to take sole control of the  Tr  ust from  this Bank. This request was granted via an   XXXX   XXXX   in   XXXX  , which is why Bank of the West is no longer  Co-Trustee.

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 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient is ruining my life. They wo n't let me re-enroll in an income-based repayment plan because my cosigners need to give financial statements. However, the last time they did it made my monthly payment go UP even though none of them are willing to help me pay. I spoke with a rep at  Navient  who told me if my cosigners call and say they are 'unwilling ' to help, she will change my payment based on only my income. Then I was told she did n't have authority and it went back to the original amount. I now have no means to pay and they wo n't put me in income based, let me put in forbearance, nothing. I told a rep that it 's effecting my mental health and physical health -- -- I ca n't even afford groceries and she responded that 's not her problem and it 's a personal problem I should have with my cosigners. I spoke with the head supervisor, she too said they are unwilling to help. I was denied from student loan refiancing and I have slim options to anything else at this point. Navient right now has me paying for 8 more years, I asked them to stretch it to 30 years - they wo n't let me do that. They are disgusting and this ca n't be ethical.

Company response to consumer: Closed with explanation