vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
XXXX XXXX XXXX Company is reporting 3 loans each as late twice to all credit bureaus. 
90 days late 120 days late 90 days late 120 days late 90 days late 120 days late Totaling 6 missed payments which is inaccurate credit reporting because all loans were on a Income Based Repayment Plan at the same time. 
The problem with this is that one XXXX XXXX Never notified me prior to the account being out of deferment effective this date. 
Second XXXX XXXX XXXX XXXX Never mailed me a letter although my address was on file at the time of the account being in deferment. 
Third XXXX XXXX XXXX  placed the account on a payment schedule without notifying me of my right to request a Income Based Repayment plan. 
As you will see I have attached copies of their correspondences that were never sent to me and the notification preferences that were on file. All it shows is electronic. 
Further, there are no records prior to XX/XX/2018 of a notice being sent that an initial payment was due for only 3 loans when all loans were on the same loan application for repayment, only a notice that the account was past due which is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: WI

Complaint narrative:
I was injured at work, onXX/XX/2018, I went to the walk in clinic, and a XXXX XXXX XXXX  claim was filed.In XX/XX/2018 I received a letter from a collection agency, saying that I owed XXXX XXXX   XXXX , I never received a bill, This is a XXXX XXXX XXXX issue, I called Americollect, and told them about it, I called the third party billing service for XXXX XXXX , to get this straitened out, to no avail, this bill should have been sent to XXXX, the company handling my XXXX claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My current Home Equity Loan is with Ditech, recently I received a letter saying my account number would change due to a system upgrade, this was to have taken place from XX/XX/XXXX until XX/XX/XXXX with the system being up and running by XX/XX/XXXX. As of this complaint the system is still no working and customer service reps or myself can not view my account or history online or via the XXXX #. This has caused a great deal of stress as I need information to complete my XX/XX/XXXX taxes, I have called multiple times ( hold time is typically 25-35 minutes ) then told the system is still not up and running yet and to call back the next day. They are in violation of several responsible servicing rules and regulations as they can not provide detailed loan information to me, yet l am expected to make ontime payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
I contacted XXXX and experian about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with XXXX  XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was trying to cash a personal check amounting {$50.00} dollar at the Citizens Bank, XXXX XXXX XXXX, XXXX, PA XXXX this morning ( XX/XX/2018 ) by producing a my personal check to the teller -who said is also the manager of the Branch, ( name tag - XXXX XXXX ) In order to cash my own check, he asked for a Sate Issued ID. Unfortunately I did not have a state issued ID instead I gave my employer badge, issued by the Federal Reserve Bank of XXXX, that has my name and Photo ID. 

XXXX XXXX XXXX was very stubborn in insisting a sate ID or passport to get {$50.00} dollar even after he was able to verify my signature in the system and show an employer badge with Picture and name. And my account have much more than {$50.00} at this point of time. 

I feel like I am very much embarrassed, and felt like it is not a proper way of helping a customer, So I am filing my complaint with you to take up this matter at the appropriate level to 1 ) substantiate that this is strictly followed protocol of the Citizen Bank to cash out any check including a small amount of {$50.00}. 

2 ) If not, I feel like it is a targeted action by the employee of the bank. 

I even asked for his supervisor to present my situation, and he said he is the top one of the branch

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MA

Complaint narrative:
In XXXX, I opened a XXXX account which was my first phone contract. There was an amount of {$450.00} that went to collection which I paid on XX/XX/XXXX. On XX/XX/XXXX I printed my credit report and I seen XXXX XXXX XXXX on my report for tmobile. I called the number for XXXX XXXX XXXX, I was unable to reach a person so I called XXXX and they could not give me an idea why this collection is still on my report. They transferred me to the collection company which is not the company that is listed on my report, they said they have not received my payment and for me to call XXXX back to let them know. When I spoke to the customer service representative from XXXX  again she told me that I only paid {$190.00} out of the {$450.00} and that the balance was {$250.00} and also that the account went to 3 different collection companies. On my report, it says that the account is paid in full with the collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CT

Complaint narrative:
This is happening again to me. There has never been any late payments to cause a credit score drop. My student loan is working to find me a lower payment not because of ever being late for a payment.There is drop of 37 points on my Equifax report and this is a crime.My student loan is in forbearance legitimately. My complaint is that this keeps happening and it is against the LAW to lower ones credit score due to a student loan adjustment, I am having my Federal Loan changed to show a lower payment monthly, Never have I been late. I'd like the Federal Government to look into Equifax 's practice that are clearly illegal. I demand that steps be taken to stop this type of illegal practice. All my payments to everyone have been on time and they need to readjust my score to reflect the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is incorrectly reporting me 120 days late on the XXXX partial account number XXXX. This account shows a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2019 Chase closed my above account. According to the letter I received it was due to the reason that I used merchant credit to satisfy the balance on this account. But as the fact of fact, this incident happened with my XXXX return and refunds. I have been a long time Chase customer and have several Chase credit cards, I used random cards at XXXX, but when returning some of the purchases, XXXX usually just scan the membership card without even asking for receipts, after that they just need a credit card to process the refunds without matching if they are the same. Since I used Chase reserve card the most, I most likely gave that card for refunds. Unfortunately I also have auto pay on my Chase credits, so I didn't even bother checking the monthly bill, as it takes care itself. As a result, this triggered the closure. Chase said that I was sent a letter reminding me the situation prior to the closure letter, but I never received the letter, the only letter I received was the letter to close my account. 

I don't think that I did anything wrong regarding this, if this is the bank policy, it was not my intention to do so. This is apparently a mistake I even think about committing and it's also didn't do me any benefit at all. 

I have called Chase several times asking to reconsider their decision and reopen the card, but was not helpful. 

I am actually a Chase private client and have significant interests on this bank. I am really feeling sad, as how unreasonable and bad they treat their long time customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
XX/XX/XXXX, I got laid off from my full time job at XXXX  XXXX  XXXX  with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX  XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report 2 bankruptcies on my credit file both are showing as a Chapter XXXX one filed in XXXX and discharged and then another filed XX/XX/XXXX. Please note the one filed is past the statue of limitations and should not be reporting now and the other is not correct. You can not file a chapter XXXX again for 8 years! There is no way XX/XX/XXXX is accurate! They do not seem to know that the guidelines are for bankruptcy or they would know is this a huge mistake!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The company harassing me is : NAVIENT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX PO Box XXXX This is a co-signed loan that was discharged 15 years ago through a bankruptcy. 
I have told them verbally and through a letter to stop sending these letters. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Meadowbrook Financial Mortgage Bankers Corp.
State: NY

Complaint narrative:
I purchased my first mortgage from servicer Meadowbrook Financial Mortgage Bankers Corp. on XX/XX/XXXX. On XX/XX/XXXX my mortgage loan was transferred to new servicer XXXX XXXX XXXX XXXX. Upon reviewing my online account with XXXX XXXX XXXX XXXX between late XX/XX/XXXX to mid XX/XX/XXXX, I noticed my ESCROW account was in the negative for over {$2300.00}. I called XXXX XXXX XXXX XXXX to find out why my ESCROW account was negative but a representative stated " we have no idea as to why, please contact Meadowbrook Financial Mortgage Bankers Corp ''. I called my first mortgage loan servicer and my broker XXXX XXXX but he had no answers for me. From that point on I grew suspicious and felt there were malpractices going on. Miraculously the same day I raised awareness about my ESCROW account being negative, was the same day my ESCROW account was in good standings. At this point I started doing a lot of investigating and going over my disclosures carefully. There were a few red flags on my disclosures such as the wrong race ( which I complained about before ), it indicated that I've done a phone interview ( I clearly did a face to face interview ), an extra brokers point was taken from closing, the RESCIND documents were never present nor signed, a fraudulent Commitment was made to buy my loan some approval time and XXXX XXXX XXXX ( the actual broker that closed my loan ) name ws nowhere to be found on my disclosures. I thought that was very odd and suspicious. Until this very day, I do NOT trust Meadowbrook Financial Mortgage Brokers Corp. nor XXXX XXXX XXXX XXXX with my money. I've been wait over one year for both lenders/servicers to answer the important question which is : WHO OWNS THE NOTE TO MY MORTGAGE????? XXXX XXXX XXXX XXXX put my home in foreclosure on XX/XX/XXXX. I responded with an answer and discover on XX/XX/XXXX. XXXX XXXX XXXX XXXX 's first attorney never responded to my discovery and backed out the foreclosure case. The second attorney hired by XXXX XXXX XXXX XXXX answered to the courts saying that they are not choosing to respond to my discovery and than backed out the foreclosure case against me ... .. WHY???? This is an unlawful malpractice on the part XXXX XXXX XXXX XXXX played. If XXXX XXXX and XXXX XXXX does NOT own my mortgage note and my information dose not appear in their system, than who is the actual note holder of my mortgage???? I contacted my title company XXXX XXXX XXXX via fax on XX/XX/XXXX regarding this issue but I did not receive an email nor replied letter by mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent over the ftc violation of the inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent over the ftc violation of the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
The options in the previous section were not specific to my complaint. Midland Funding is the collection agency who apparently purchased a charge off from XXXX XXXX XXXX  in XX/XX/XXXX which was {$300.00} and is now {$630.00} as I pulled my report today and saw it reported to all three bureaus. I called Midland Funding to discuss the debt as I want it off of my credit report so I called to discuss options and I was told that they will not speak to me about the account because I submitted a cease and desist letter in writing to them in XX/XX/XXXX. I told them that I do not recall doing so, that I disputed the account on my credit report but that that was not a cease and desist request. After speaking to a manager I was told that I had to fax in a letter removing the cease and desist and acknowledging the debt and my identifying information and that then I could call back in 3 days to 10 working days to see if they could now speak with me. I explained that even if they had received a cease and desist letter from me that that meant they could not contact me, but not the other way around, that I certainly have the right to contact them about what they are reporting on my credit. I was not heard and was told again to send the fax if I wanted to discuss any options. I feel this is a violation of my rights and they are using deceptive tactics so that they can go back to harassing me and starting over a statute of limitations on how long they can continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted TransUnion, XXXX and XXXX about bankruptcy showing up on my credit report several times. They state that it was verified with the Court.  However, in XX/XX/2018 I receive letters from the Court stating they did not verify the bankruptcy with any credit company. I did send them the letter and the bankruptcy are still on my credit report 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 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
My husband refinanced our home in his name only, without my knowledge. It wasn't until after his death ( XX/XX/17 ) that I discovered this, and now that I'm attempting to refinance the mortgage in my name only, the mortgage company is not cooperating with me. I do not understand how my husband was able to refinance our home without my signature, even though I am on the deed.

Company response to consumer: Closed with explanation