vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/ 2017, XX/XX/ 2017 and XXXX XXXX, XXXX and XX/XX/ 2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but TransUnion and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/2017, XX/XX/2017 and XXXX XXXX, XXXX and XX/XX/2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but XXXX and Equifax you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX  XXXX, XXXX XXXX, as well as other loans ( " non-XXXX  loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/2017, XX/XX/2017 and XXXX XXXX, XXXX and XX/XX/2017 is being reported incorrectly. With that being said this account should be deleted ASAP.  With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On Experian report you reporting my account was on time but XXXX and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: WI

Complaint narrative:
I am not aware of these inquiries made on these dates. 

XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I opened a checking account with HSBC, followed the step which is depositing {$1500.00} and maintained it within 90 days upon account opening, fine print said after maintaining {$1500.00} within 90 days {$200.00} bonus will be deposited to account after 8 weeks, its been 6 months and 1 week now, bonus was not credited to my account. I call customer service several times action was not taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was traveling in XXXX during the month of XX/XX/2018. While I was traveling, my Chase XXXX XXXX  Visa was charged a fraudulent amount of {$350.00} at XXXX XXXX XXXX XXXX. On the night of XX/XX/XXXX, I used my card at the restaurant of XXXX XXXX XXXX XXXX for an amount of {$52.00}. ( The Chase representative  said that these restaurant charges were under a real estate transaction, not for food and beverages like they actually were, which was very strange ). On XX/XX/XXXX, the very next day, my card was charged {$350.00}. This charge, I did not authorize. Chase is saying that I am liable because I was staying in the area. The hotel used my card on a chip reader and that is their reasoning for as to why I am responsible for the transaction. The fact of the matter is, I was not present during this transaction nor did I give anyone access to my credit card. I even requested camera footage which was not an option. I asked Chase why my signature and ID ( my card says see ID ) was not requested for this transaction. They replied that they do not require these items for a valid transaction. I asked them why am I not protected by my own credit card company when it comes to fraudulent charges? They did not have a valid response. Needless to say, I cancelled my account as they refused to help me with this process. I've never had a problem with my credit card being used without my consent before this and I would not wish it upon anyone. It's quite unfair that I should be held responsible for this payment when I was not the one responsible for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
As per my knowledge I am overpaying my loan al I took the loan was to dorm at the university for 2 years I see loans that I never applied for and I am over paying for it I took two loans and I am paying for 7 different loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I received a copy of my credit report and it shows a bankruptcy listed on it. I sent letters to all three credit bureaus requesting documentation showing how they validated the bankruptcy. I received a response from Experian stating the bankruptcy was validated but did not send any proof of the validation.

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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

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 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.

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 2019-02-11 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: Ocwen Financial Corporation
State: LA

Complaint narrative:
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There is detailed information on two of the accounts that I've been disputing with all three bureaus. Under the FAIR credit reporting act ( 609 ) it states that if the information being reported isn't accurate, complete or verifiable it must be corrected or deleted. There is a collection with XXXX XXXX XXXX XXXX that's been reporting inaccurate information, plus I'm not aware of this crteditor either. The XXXX/XXXX account isn't reporting accurately higher and I need them to correct the late payment that's holding me back.

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 2019-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I set up a reduction rate payment plan with Navient on XX/XX/2018. They insist on asking you questions and getting detailed numbers on your entire life expenses before the person on the phone determines what your payment plan should be. I begged the Navient employee to help me with a payment that could be lower than {$400.00} because I am already paying another loan servicer $ XXXX and that will make me have to pay double rent every month. She said over and over again that my payment would have to be {$420.00} ( previously {$390.00} ) and they couldn't go any lower because " that's what the system will allow ''. So I eventually agreed and gave my debit card to have the money taken out ( they said I can only have the rate reduction program if they have my card information ). The first payment was scheduled to be taken out on XX/XX/XXXX but it wasn't and now I'm delinquent a payment. When I called today and spoke with XXXX, employee ID XXXX, she told me she couldn't do anything about it and my bank " didn't allow the payment ''. I begged her to bring my payment current and she said there's nothing she can do to help me lower my payment or bring me current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have an XXXX XXXX XXXX credit card where I make a {$50.00} minimum payment I recently have gone through financial hardship and have been late on making a few payments. The credit limit is {$620.00} but the balance is {$1000.00}. Almost half of the balance is interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
I have an account in collection with NCB Management Services Inc. On XX/XX/2018 I agreed to a payment arrangement with them and gave them permission to withdraw funds via electronic check from my checking account every month on the XXXX. 

I never give out my banking information, but agreed since they contacted me on my mothers phone ( not sure how they obtained this information ) and I was eager to resolve this account. 

On XX/XX/2018 an electronic check for {$780.00} was paid to XXXX XXXX Bank and initiated by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) on my checking account. 

On XX/XX/XXXX, the electronic check I approved for NCB Management Services went through for {$30.00}. 

Again on XX/XX/2018 another electronic check went though for {$310.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) Once more on XX/XX/2018 an electronic check went through for {$120.00} paid to XXXX XXXX ; no name attributed to this charge ( Trace # XXXX XXXX XXXX XXXX XXXX ) And again, On XX/XX/2018 another electronic check went through for {$300.00} paid to XXXX  XXXX by XXXX XXXX ( Trace # XXXX XXXX XXXX XXXX XXXX ) After this transaction the checking account was closed. My bank denied payment to all the above transactions except to NCB Management. Since I have closed the account I request that prior payment arrangements be denied and I have not contacted NCB to make new arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I wanted to switch to a different card ( to Visa Cash Wise from Visa Signature ) offered by Wells Fargo in XX/XX/2017. Wells Fargo was not willing to switch the product, but rather had me open a second card Now I have the problem, that the new card has a rather low credit limit of {$3800.00}, whereas the other one has a credit limit of {$5000.00}. I would rather have the credit limit on the older card reduced ( e.g. {$1000.00} ) and transfered that credit limit to the Visa Cash Wise. 

I have called Wells Fargo, but they are not willing to accomodate that request. I don't really understand why, as there would be no change to my overall credit line

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 2019-02-11 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: LA

Complaint narrative:
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.

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 2019-02-11 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: LA

Complaint narrative:
My mortgage servicing company is reporting that I have not made a payment on my mortgage since 2017. I have been making my payments to them. I tried calling and writing them to correct this but it's still remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: TX

Complaint narrative:
THIS IS A FRAUDULENT ACCOUNT SO I DONT KNOW ANYTHING ABOUT THE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Per resolved CFPB complaint # XXXX, Freedom Mortgage began sending all documents to the wrong address in XX/XX/2018. 
So I did not receive the company 's notice that it needed proof of insurance until that error was corrected BY MY EFFORT in late XX/XX/XXXX. 
My insurance company provided the information to them in early XX/XX/XXXX. 

Today I received notice that Freedom Mortgage retroactively RETROACTIVELY purchased insurance for me in XX/XX/2018. I don't know how they could have done that as it is my understanding that such insurance can not be purchased retroactively and the earliest possible purchase date would have been XX/XX/XXXX. 
I carry HO 6 insurance through my personal insurance company.

So I am now doubly insured because Freedom Mortgage sent documents to the wrong address for more than six month. 

I want the redundant policy canceled and all charges to disappear from my escrow account. My mortgage documents were approved with the requirement that the condominium be insured and it was approved by the lender under those conditions.

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 2019-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Filed in bankruptcy has not been removed from credit bureau after I have already spoken to Capital One previously regarding account. 

CAPITAL ONE BANK USA- XX/XX/2010 XXXX

Company response to consumer: Closed with non-monetary relief