vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My home mortgage loan was sold from XXXX XXXX to XXXX XXXX XXXX, effective XX/XX/2018. In XX/XX/XXXX, I received a letter changing the contract they purchased without my permission. XXXX XXXX XXXX created a " cushion ''. Though the raising of the mortgage payment occurs to mitigate the increase in taxes and escrow, is normal and is reflected in a somewhat nominal increase - XXXX XXXX XXXX XXXX cushion of {$1100.00} has raised my monthly premiums by {$210.00}. I was not asked if I wanted this cushion and I do not agree to it. I am a Veteran and no loans I have ever had, have ever increased to this magnitude. No one has ever forced a cushion upon me. I do not want this cushion. I am retired on a fixed income and I am currently seeking Veterans Compensation for injuries and medical conditions resulting from my military service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
On XX/XX/XXXX two of my family members were contacted by XXXX XXXX to inform me that I should be home to sign for a package on XX/XX/XXXX The packeage was to arrive in between XXXX XXXX  and XXXX. ( No package arrived ) I got the number that they left with my brother, so I called. I talked to a XXXX XXXX. He said that my outstanding debt from HSBC bank is going to be taken to court and I was being sued in a few days if I don't settle. This debt, which I do not recall ; is supposedly from XXXX. The total is {$2800.00} with late fees and other charges. The original debt supposedly was XXXX. They said I could file for hardship and pay less then what the original amount due. I did not pay or agree to pay anything. I told him I wanted to investigate this matter further. Mr. XXXX said I had to the end of Thursday XX/XX/XXXX to get back in touch with him or the suit will be filed. I feel this is a scam and had a similar call from a company in the beginning of XXXX for the same HSBC bank in wich I paid over {$700.00} to clear. I also feel this was a scam by a different scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: PA

Complaint narrative:
I currently have student loans through Navient. I have been struggling for years to try in lower my interest payments and also try to get income based payment arrangements. I currently live pay check to pay. I get roughly XXXX/bi weekly and they want my repayment to be over 1,200/monthly. No matter how many times try to send them my monthly expenses and what I have left ; sometimes not even enough money to buy groceries. With my monthly expenses and bills I roughly have about XXXX left for gas, groceries, personal hygiene ect.. I have been told by them to sell my car, walk to work, etc..They will only allow me to set up payment online/calling them by credit card or my checking account. I have never been giving the option to send a money order from my bank. As an educated individual trying to pay back student loans with what money I have left, I continue to get harassed by many many nasty phone calls from Navient along with my family members. Please help me to get a solution resolved with Navient and a less stressful loan lender willing to work with me based on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX. misapplied a payment in XX/XX/2018. I was told they would correct in one billing cycle. It has been three billing cycles. I have spoken with several people who assured me that this would have no negative affect on my credit file. They reported it as late for more than 2 months, they have sent me two collection letters, and the worst is that my credit scores have dropped more than 60 points.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: NJ

Complaint narrative:
LexisNexis has wrongly reported to XXXX XXXX XXXX XXXX XXXX erroneous information which has impacted in a negative way my so-called insurance score. I ahve requested multiple times from LexisNexis to receive my credit report under the reference number XXXX. They have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
ONCE AGAIN XXXX XXXX XXXX AND ITS LEGAL COUNSEL AND AGENTS ARE LLYING AGAIN! AUTO LOAN NO. XXXX AS WELL AS XXXX, AND EXPERIAN ARE IN COLLUSION AND ARE CHRONIC DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. THEY AGREED TO UPDATE UNDER FAIR CREDIT BILLING ACT ( F.C.BA.-T.I.L.A OR BE DELETED BY ALL CREDIT BUREAUS, AS OF TODAY XXXX REFLECTS RECENT BALANCE {$17.00}, XXXX, STATUS ACCOUNT CHARGED OFF {$17.00}, XXXX, the date of status was XX/XX/2018 and a recent payment of {$17.00}, XXXX, this is the same info on EXPERIAN . XXXX AND XXXX   ALREADY DONE SO 3 MONTHS AGO.

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 2018-12-06 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Every month XXXX XXXX is telling me I would be approved for a cap one Credit card and every month they deny me and never send a reason why. I feel like that they are discriminating me because my credit was stolen buy it is fixed now. I have other cards and they have no problem lending me money but this bank messed my credit up because I did not know about hard Inquiries and Im trying to buy a house and Im homeless because I feel Capital one and XXXX XXXX  are discimating me for someone opened account under the cards the off that was not me .I have almost 30 Inquiries from both of them. I meet all the qualifications and I know people that have worst credit than mine are getting an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: HI

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by XXXX and Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of 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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian and XXXX but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my 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 non-monetary relief
Consumer complaint received 2018-12-06 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: PA

Complaint narrative:
I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX  who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But TransUnion and XXXX  refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX  deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they TransUnion and XXXX told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. TransUnion and XXXX  still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.

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 2018-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have reviewed this company 's response regarding the release of the CAR Title. The state of Texas has no record of this title and the state of California is expecting me to hire a notary, pay the notary plus pay for a duplicate title. This company did not update their records accordingly and obviously can not keep updated information regarding a past due amount which does not exist. I have been living in Texas for 10 years since XX/XX/2009 and the car was purchased in California. I made all my payments on time and this company failed to update their information with the Department of Motor Vehicles. This is not a frivolous request and I should not have to incur further expenses due to their incompetent ways of keeping accurate and correct information. I am demanding the Car Title delivered to my home address immediately. Why should I have to pay for this company 's erroneous record keeping. I have contacted the Attorney General 's office and they have also will be conducting an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been a Fifth Third bank checking account holder for XXXX years. In the past XXXX months, I have had charges come through my checking account that caused my balance to go negative. I have always turned " off '' my overdraft protection and use that as a way to know when my balance is low and I need to put more money in that account. Each time ( I believe it has happened twice in the past XXXX   months ) my balance has gone negative, I get charged a fee.

I called Fifth Third and complained about this when it happened XXXX months ago, and they did remove the overdraft fee during that occurrence. Today is XX/XX/XXXX and the same scenario occurred again yesterday. I do not understand how a bank can authorize a transaction via your checking account when there are not funds in the account to cover the transaction, I asked them not to do that, and not only do they do it anyway but then charge me {$34.00} for doing it. Seems highly illegal and immoral. Please investigate.

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-06 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: HI

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to XXXX and Transunion but they keep on saying that the accounts are accurate and they have verified it..The accounts were not reported correctly and I would like it fixed! Please correct the status because I was never late on my 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 2018-12-06 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: GA

Complaint narrative:
Equifax keeps changing the dates of old debts, refuses to investigate correctly and update my file correctly, drops my credit score for no reason. The internet is full of similar complaints from other people.

I am not able to access my credit file online, which is very frustrating. I should not have to wait for a report to come in the mail!

Equifax is not being held accountable. My XXXX report is correct, not sure why Equifax has such huge issues.

See complaints : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have had issues with XXXX XXXX for awhile. They are on my credit report still. I have asked kindly for them to remove there tradeline. I am under nocontract with these people. In a earlier complaint they said they never or have no record of them suing me. I am providing a copy that they have sued me in the state of minnesota. When I spoke with them about the judgement they ( vacated ) they told me they would not contact me, pick up any accounts on me or contact me. They denied they ever did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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 — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
i am going to waste my time once more to ask for help against Chase credit card company. I had to close my excellent open account with XXXX balance that I had for many years, because chase would not allow me to protect myself from fraud by locking acct. So I asked to close acct., now I try to get updated credit bureau report from XXXX , but my chase card is no where to be reported, it was there in XX/XX/XXXX. I call XXXX they say there is no record of it and I need to call chase to get it reported. I call chase, get transferred to XXXX, who tells me, IT IS MY FAULT THE CREDIT BUREAU REPORT WAS REMOVED, BECAUSE I FILED WITH CFPB AND SHE IS SORRY BUT THERE IS NOTHING SHE CAN DO TO GET IT REPORTED TO XXXX. THIS IS EVIL! JUST BECAUSE I TRY TO REPORT WHAT THIS EVIL CO. DID TO ME, THEY HAVE THE RIGHT TO NOT REPORT MY EXCELLENT CREDIT HISTORY? IF I NEVER PAID MY DEBTS, IT WOULD BE REPORTED AROUND THE WORLD, BUT SINCE I WAS NEVER LATE & PAID OFF THOUSANDS OF , THAT SHOWS EXCELLENT LOYALTY & INTEGRITY. THE LAST SMALL BIT I HAVE LEFT. THESE COWARDS HAVE THE POWER TO COMPLETELY ERASE IT FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn Credit ( PC ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 4 months from Monday thru Saturday from XXXX XXXX to XXXX XXXX Their calls disconnect when my answering machine turned on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX  recommendation ). PCs phone number is blocked, however, they continue calling. My first recorded date when PC began calling my home was XX/XX/2018 at XXXX XXXX from the phone number XXXX. The most recent recorded date is XX/XX/2018 at XXXX XXXX My wife XXXX and I have been the only residents here for the past 10 years. We do not have nor had any debt. I am registered on the do not call list. I was advised the contact your agency. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have one XXXX account with a balance of {$840.00} which I have no knowledge of the account, I sent a dispute letter to the 3 credit bureaus ; only XXXX who removed the account because the creditor was not able to provide 100 % proof that the account belong to me. But XXXX   and Experian refuse to delete it. I sent more than 3 round of dispute with them even send them a copy of XXXX deletion still they refused. Then I sent a letter requesting fro proof of their investigation, asking how did the verified the never send me a proof. So on XX/XX/2018 I decided to request a verification from XXXX, on XX/XX/2018 XXXX couldnt proof it ether was mine, because they just send me a snapshot of past due bills. No contact bearing my signature, which they should have as a original creditor. I call they XXXX  and Experian told them to delete that account because the original creditor ( XXXX can not proof me that the account belong to me ) therefore must be delete immediately. Also ask them why? And how they been verified it if the original creditor doesnt have the original contact. XXXX  and Experian still do not want to remove it even though XXXX  did. I need your help to get it of my credit report because it hurting my credit rating. I attached the documents received from the original creditor no contract at all. Under the FDCPA and FCRA the credit bureaus must investigate and make sure the information is 100 % accurate. They credit bureaus failed to comply under FCRA.

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 2018-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXX XXXX of XXXX XXXX fraudulently had me fill-out a credit application stating that's the only way they legally could sell me a car ( I had declined to fill it out five minutes earlier ) and so your institution illegally accessed my credit via a hard inquiry with XXXX. I had declined XXXX XXXX XXXX credit and offer to match the financing through XXXX of XXXX months at 2.64 % and XXXX XXXX   XXXX XXXX at XXXX XXXX submitted them anyway.

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