vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by Tower Loan on XX/XX/XXXX and I have in no way cooperated in any business with Tower Loan LLC.

I contacted Tower Loan LLC, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. As my account wit this company has been closed since XXXX and is listed as follows Remarks : >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX TOWER LOAN XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : 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 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management
State: AL

Complaint narrative:
I have been continually getting emails from a XXXX saying they are collecting on behalf of XXXX XXXX. XXXX got they are suing me that the sheriff will be coming to my job and picking me up. I have a total of 4 emails and none of them list a name of agency but all say they represent XXXX XXXX. On my credit report I have a XXXX XXXX   listed and I have never received any notice from them at all. Never even a phone which is required before its added to my credit report and nothing! All emails act as if these are legal notices with case numbers and even docket number as if filed with courts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Ocwen offered a loan mod for years but never completed one until it was in Ocwen 's favor So I was forced to file bankruptcy Ocwen still pursuing debt even though I am covered by bankruptcy rules

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MN

Complaint narrative:
I have been trying to get a {$0.00} balance off my account. The minimum payment is {$1.00} but you can't make a payment of more than what you owe. I am stuck. Discover Student Loans claims it has been working to resolve this issue for months. They have continued to mislead me by patronizing statements and claiming I would receive documents explaining the situation and I have not. This student loan still shows on my credit report because the loan is not closed. There is seemingly no reason in Discover 's own words, that I owe them anything yet they continue to have this account open with a balance. Discover Financial had {$93.00} billion in assets in 2016. You expect me to believe that you don't have the IT infrastructure to solve this in less than 3 months? This is predatory. You are trying to export me and I will not stand for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I received a letter from SunTrust bank stateted that a check of the amount of {$76000.00} was deposited in my bank account. stated the {$5000.00} was available now and $ XXXX would be available within 3/5 days later which it did. However, on XX/XX/2019 a massive overdraft was taking my account without further notification. I received a voicemail from XXXX stated that my account was overdraft to not further use. I contacted the branch manager, XXXX who was trying to help, but had no idea of what was going. He advised that the Chief Officer of SunTrust bank would be in contact with me. Its been a week later and no one really has any solution. Since I had recently filed for worker comps with my employer, I thought it was a check that was deposited in my account. Now my account is {$810.00} overdraft and no Suntrust managers know why the cause as my current employer check is being deposited funds in my 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 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Credit Corporation
State: DE

Complaint narrative:
Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from XXXX or XXXX XXXX. Who I found out after speaking with XXXX XXXX that they transferred the debt back to XXXX XXXX. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When XXXX first took over this account in XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with Avant  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello, I believe that my XXXX Brother, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- Did not apply for an autoloan at that time. 
XXXX XXXX XX/XX/XXXX- Same day as before, did not apply for autoloan XXXX XXXX XXXX   XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX - Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XX/XX/XXXX- Did not apply for autoloan XXXX XXXX XXXX  XXXX XX/XX/XXXX- did not apply for auto loan XXXX- XX/XX/XXXX- Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX brothers items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.

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 2019-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
In 2018 i signed up for loan forgiveness program with XXXX. I was originally with XXXX. I saw the offer if you work for a public employer make 120 payments your loan will be forgiven. A few of my coworkers signed up. I filled out the necessary paperwork and submit the information. My information was approved my loans were transfer to XXXX in XXXX. I received welcome letters in XXXX. The way my account is setup is misleading on the account it states qualifying payments 0 and qualifying payments remain 120. It seem like i was enrolled in the loan forgiveness program. I made the first payment then waited with excitement for my numbers to change. When that didn't happen two weeks later i called. They stated that i did not qualify for the program without a clear explanation. If i didn't qualify i am not sure why XXXX took over my payments when they saw what i submitted before my loans were transfer from XXXX. Not sure if this is a poly to get business. I have been employed with the same city employer for 13yrs. I never received any notice that states i did not qualify or needed additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: PA

Complaint narrative:
On XX/XX/19 I received via email the Pre-Worksheet Doc from Mortgage Lenders of America and the sheet was dated XX/XX/19 and stated the Mortgage interest rate of 4.1 %. I emailed that I wanted to confirm this rate did not include points and was assured that it was not based on points. Then, when on the same day, I said I wanted to proceed with the Mortgage, all of a sudden, the lender stated that the real rate is 4.25 %! Even though the form was dated on XX/XX/19, she said it had been based on a quote from XX/XX/19.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I had a SYNCB/XXXX XXXX XXXX that was solicited to me while checking out at XXXX XXXX one day. For a long time I was able to maintain an excellent payment status with them for many years. Then my son was diagnosed with a XXXX XXXX and I had to pay copays and deductibles for his healthcare, and medications. My Husband suffered a XXXX XXXX, and then my son developed XXXX During this time my payments became sporadic and due to the added fees and penalty 's I could never get caught up. I called and tried to work out something with SYNC and was told until I paid the current balance due they penalties would continue to be applied. As you can imagine once your behind so far there is no way to catch up with the additional fees and penalties. 
I eventually opted to close the account and go on a payment plan of {$73.00} per month. During the next few years I made payments from XXXX to XXXX per month in an effort to pay the account off as quickly as possible and try to repair my credit. During that time I missed no payments and was able to pay the balance in full XXXX of XXXX. I have just pulled my credit report and called XXXX and SYNCB and requested that they do anything they can to remove this derogatory remark from my credit report and they have advised me that it is there until XXXX. This is very disheartening as I worked very hard to correct my mistake and I kept my end of the bargain. Can you advise me of any way that this negative report could be removed. I just really want to improve my credit score and not feel as though I am being held prisoner by this negative report. Much like a prisoner who has served time I feel like I have repaid my debt to society and would very much like to not feel like this is over my head. The account in question is XXXX XXXX XXXX XXXX. 

I recently purchased a newer car and they ran my credit for financing. I now have 3 hard inquiries that will bring my score even lower for 25 months. I really find it unfair that just an inquiry to find a finance company can have such a negative impact on my score. I did not choose these companies nor was I really aware that it would be run multiple time. It seems that this penalty should be eliminated from all credit reports as a derogatory mark against someone looking to better their current situation.

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 2019-03-08 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: FL

Complaint narrative:
Experian report number XXXX I have notified Experian in my dispute letter that they are in violation per FCRA and FDCPA guidelines by reporting southern management system and XXXX XXXX XXXX on my credit report. These accounts are inaccurate and must remove for violation. 
I do not understand how its Experian opinion that these accounts are reporting accurate when I have notified them and shown proof base on my factual base dispute letter that they are in violation and the inaccurate accounts must be remove Experian get paid to report accurate and complete information, yet they are in violation per FCRA and FDCPA as they continue report such blatant inaccuracies on my credit report.

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I canceled with experian.com back in XX/XX/2019, and they continue to run my credit card even afer cancelling, so i had to discontinue my debit card and get a new one, well they called master card and got my new card information which XXXX. With experian you are unable to get a live person on the phone to handle anything and on there website where you are suppose to be able to cancel they take you through the loops you are just unable to cancel anything.They cahrged my debit card in XXXX and XXXX and now thy will charge it in XXXX. i tried calling in several times and unable to get a hold to anybody. The website is a joke please help. 

Thanks

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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Our loan was service released to Shellpoint Mortgage back in XX/XX/XXXX, our loan closed as an escrow loan for Flood Insurance ONLY. We have made all of our regular payments consisting of P & I and escrow monthly payment of {$32.00} to cover flood only. We are responsible for making payments of Homeowners Insurance and Taxes. We made our real estate tax payment on XX/XX/XXXX in the amount of {$4500.00}. We also made our Homeowners insurance payment. Shellpoint Mortgage also erroneously made payment of taxes that were not part of our escrow payment. Luckily the county of XXXX returned the funds to Shellpoint which were deposited back into our escrow account. We received a new escrow analysis dated XX/XX/XXXX with an effective payment change on XX/XX/XXXX. This analysis included escrow payment for taxes, homeowners insurance, flood insurance and PMI. The escrow analysis showed a monthly increase in payment of {$840.00}. I called Shellpoint Mortgage on XX/XX/XXXX to dispute the incorrect payment increase. After receiving incorrect information with the customer service representative XXXX XXXX, I was transferred to a Supervisor who assured me she was sending information to the Insurance department to get my payment corrected to reflect escrow for flood only. I received my monthly statement for the month of XXXX with still no corrections made. I called again to speak to a customer service representative on XX/XX/XXXX, she was very polite and asked me to go to the website and enter an inquiry as it would help speed the process up. I received an email on XX/XX/XXXX from Shellpoint letting us know they received our inquiry and they would respond as soon as they could. It is now XX/XX/XXXX, our payment has not be changed to reflect the correct escrow payment. The second escrow analysis sent to us on XX/XX/XXXX is still wrong as it is reflecting an escrow payment for PMI. Our loan does not require PMI nor has Shellpoint Mortgage ever made a payment to a PMI company. All I am asking is that my account is set up correctly in their servicing system to include the correct escrow requirement for Flood ONLY. We want our payment adjusted to reflect the correct amount. This should not bee difficult for them to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Hello, I believe that my XXXX XXXX, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- Did not apply for an autoloan at that time. 
XXXX XXXX XX/XX/XXXX- Same day as before, did not apply for autoloan XXXX XXXX XXXX XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX XXXX Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XX/XX/XXXX- Did not apply for autoloan XXXX XXXX XXXX XXXX XX/XX/XXXX- did not apply for auto loan XXXX- XX/XX/XXXX- Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX XXXX items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hello, I believe that my XXXX Brother, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XXXX Did not apply for an autoloan at that time. 
XXXX XXXX  XXXX Same day as before, did not apply for autoloan XXXX XXXX XXXX  XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX XXXX Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XXXX Did not apply for autoloan XXXX XXXX XXXX XXXX XXXX did not apply for auto loan XXXX- XXXX Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX brothers items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.

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