vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The  " annualcreditreport.com  '' website is a piece of junk.     The CAPTCHA form is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, owner of the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. XXXX XXXX I got damage of my property by Hail. I claimed my insurance with an agent XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, claim service by XXXX and main insurance company name is XXXX XXXX XXXX. I was paid by my insurance company and I fixed my property accordingly. After completion of the repairing job, my mortgage service company name Shellpoint Mortgage Services called me to send their inspector to inspect the property and they sent, inspector saw the property and left with full satisfaction. After a month about Shellpoint added an amount of {$48.00} with my monthly mortgage payment as an inspection fee and I was told to pay this amount every month over my loan period of rest 29 years. 
My loan is under FHA. 
I asked Shellpoint, what is the total amount of inspection fee to be paid. They said, they do n't know and despite my repeated correspondence Shellpoint could not make clear about total inspection fee. 
Then I said, unless legal solution I will not pay this inspection fee with uncertainty. On the other side my insurance company did n't tell me anything about and I have not been asked anything by my insurance company. 
I eagerly request to have a right answer about this inspection fee, because they have kept me in complete dark. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I received a collection notice in the mail stating I owed the sum of  XXXX  to  XXXX   XXXX  and they,  Convergent Outsourcing Inc. , were a debt collector trying to recup this amount. This is the first time I have seen a notice like this and I have never had  XXXX   XXXX  service/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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: PA

Complaint narrative:
Guild mortgage company keeps mis-managing my account. My first year with them they added home owners insurance to my account even though they had proof at I already had my own home owners and they were paying the bill from my escrow, after months of phone calls they finally rectified the situation. Then  XXXX  of   XXXX   I received a letter from them stating I had a shortage in my escrow account. They assured me that it was due to an error my loan officer had made and I had not paid in enough at closing. Seemed legit and I did n't know how to investigate to prove otherwise so I paid the shortage. I have received another letter stating that I have another shortage again. This time much larger as indicated by the attached document. My first phone call to them the lady I spoke to said it 's normal and it is what it is. She was very indifferent towards me and not any help. I called again the next day and the gentleman I spoke to was much more helpful. He indicated to me that they had to use my {$800.00} cushion that is mandated by law and an additional {$670.00 } ( that they gave me and I owed them ) t o pay taxes from my escrow account. He said it was because of a tax increase. My taxes in   XXXX   only went up about {$200.00} total. Hardly the {$1400.00} they took. When I explained to him that it did n't make sense, he would n't agree but did look into it further while I was on hold. He got back on the phone and said he could NOT explain it and he would forward me to the " impound '' department who would be calling me withi n 3-5  business days to explain what happened. There is definitely a serious problem with this company and I have read else where online that I am not the only person to have had issue with how they do business or handle escrow accounts. After this conversation I asked what my excels balance was and he said it was over {$3000.00}. Hardly a {$1400.00} shortfall.     In the end the paper says my shortage is {$660.00 } ( which I made a payment last year to cover a shortage already ).  But their solution is to increase my monthly payment from {$910.00} to {$990.00}. That is not {$660.00} but {$990.00} over 12 months. I can not say for sure what 's happening but it sure looks shady to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have been pa ying {$360.00} a month for nearly 16 years ( roughly {$70000.00} ). My original principal in   XXXX   was {$23000.00}. Why is this loan not paid off three tim  es over?!! Navient say s its a 7 % interest student loan, but only 50 % of my payment is applied to the principle balance. I 've done the math over and over, I have an auto loan at 7 % and 85 % of my payment goes to principle. What kind of math are they using? This loan should have been paid off years ago. They are thieves! They wo n't give me any explanation ... they just show me where I signed their contract and they give me payment history, but never say why my loan balance is not decreasing at a 7 % rate. I 'm refusing to pay any more. Maybe they 'll talk to me if I do n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA fo  rm is close to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

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 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Th  e " annualcreditreport.com '' website is a piece of junk.
The CAPTCHA form is c  lose to illegible, requiring multiple attempts that often abort the process.     The use of popups also causes the process to abort.     I was able to obtain only  XXXX  of  XXXX  reports. The other  XXXX  apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

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 2017-05-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Inquiry Ref . No. :  XXXX  Establishment Name :  XXXX   XXXX   XXXX   XXXX   XXXX  Disputed Amount : {$5400.00}  01.  I specifically requested front desk to not authorize any room charges by any means.  XXXX  front desk assured it would be done.  (   XXXX  did not provide adequate service and failed to provide the request. I believe Foul-Play was involved )  02.    XXXX   did not provide me with any other details of  Hotel Policies , Room Charges or anything when I checked in.  (   XXXX  did not provide adequate service and failed to provide pertinent information. )  03. I  did not provide any authorized amount at the time of check in. But on the receipt that  XXXX  shows, it magically has an  " Amount Deposited ''   that pretty much accurate to the total amount at the end of check out. How does that happen? ( It ca n't be coincidence.  ) 04.   XXXX  claims that I 've signed documents at the end of check out. I was not physically at the property to check out nor did I sign anything at check out. I left early due to a family emergency. Also the signature that was provided has a different  stroke  and is off.  (  Fraudulence is involved ... )  05.   Any room charges, should have been double checked by  XXXX , notified the authorized personnel or customer that was staying in the room & should have had receipts other than the last check out statement, which I was not there to see or sign.      06.  I am willing to compromise and pay for the room but not the extra charges as I did not benefit or use those extra services ... My prepayment charge for the hotel stay was {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TransUnion,  XXXX  and  XXXX , do not report all payments, I have contacted  XXXX ,  XXXX   XXXX , and others and they say, the Credit Bureaus do what they want  ans  have NO REGULATION. Despite companies sending in my on time payments, the credit Bureaus retaliate on consumers who complain by not fully adding payments made from day one to manipulate consumer credit sco res. We have copies of reports and hard copies, evidence shows the Malfeasance of the Credit Bureaus. Should we file complaint with US Department of Justice to end their corrupt action and retaliation? Credit Bureaus are refusing to report company in formation.

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 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Somehow My father accidentally added me as an authorized user on his credit card at   XXXX   XXXX    I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her credit score. It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 2017-05-06 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: WA

Complaint narrative:
I requested and received a credit report from Transunion in   XX/XX/XXXX   and discovered that it did not list a long standing (  XX/XX/XXXX  )   XXXX   XXXX   XXXX   Credit card, which had previously been listed. I called Transunion and was told that it was up to   XXXX   XXXX   XXXX   to report the account. I then contacted   XXXX   XXXX   XXXX   regarding the problem and they created a case and said they would investigate. I received monthly letters from them saying they were still working on the issue until   XX/XX/XXXX   when I received the attached letter (   XXXX   XXXX   XXXX   Case Response ) in which they stated that Transunion informed them they were unable to reinstate the account. I then contacted Transunion and, after multiple attempts, was told that I should have   XXXX   XXXX   XXXX   contact their Marketing Department. I then contacted   XXXX   XXXX   XXXX   and was told that they had contacted Transunion multiple times and were unable to get them to add the account. They said Transunion told them it was because of their " purge regulations ''. They also said that they are reporting the account to Transunion monthly, but that they refuse to accept it. I then contacted the WA  AG office an d filed a Complaint, a copy of the context is attached ( Information Provided to Wa  State AG ). I r eceived a response from Transunion, a copy of which is attached ( TransUnion response to WA AG complaint ). They state that they only report information verified by the creditor and that information has not been verified. That is obviously in direct contradiction to the information I received from   XXXX   XXXX   XXXX    I did receive the credit report referenced in their response and it still does not show the   XXXX   XXXX   XXXX   credit card although it does include a   XXXX   XXXX   XXXX   HELOC.

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 2017-05-06 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: PA

Complaint narrative:
I called and spoke with a representative at Equifax and   XXXX  credit  reporting I have sent in documentation showing that I have paid my balance in full with   XXXX   XXXX   XXXX  .   Equifax continues to report a balance of {$11.00} on my report from   XXXX   XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted.  Reporting  this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX   XXXX   XXXX    bank which was acquired by Huntington National Bank is showing I owe a balance of {$4100.00} on my credit card. They have not submitted updated information to reporting agencies since   XXXX  2017 . I transferred the balance of this   card to another financial institution on    XXXX  /17   . I want the balance of the   XXXX   XXXX   XXXX     XXXX   XXXX   on my credit reports as my reports inaccurately reflect that I have more revolving debt than what I actually do. I also want a letter confirming action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: PA

Complaint narrative:
I called and spoke with a representative at   XXXX   and Experian  credit  reporting I have sent in documentation showing that I have paid my balance in full with  XXXX   XXXX   XXXX .    XXXX  continues to report a balance of {$11.00} on my report from  XXXX    XXXX   XXXX  . I have tried to dispute this online also when trying to submit the dispute the website does not allow this to be submitted. Reporting this on my credit report is emotionally and financially distressing, I am contacting you to help is a resolution that will stop the harassment that I am suffering in to this day.

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 2017-05-06 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: NV

Complaint narrative:
I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.

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