vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Financial is reporting and has reported inaccurate information on my loan. Westlake just started reporting to the credit bureau based on my request for them to report the account to the credit bureaus in XX/XX/XXXX. Up until last week the accounts had been reported in good standing only after I made a complaint to the CFPB about the account not being reporting for the full length of time on the XXXX report. I called Westlake Financial to discuss the late payments that they are reporting. The XX/XX/XXXXpayment they are reporting is not correct as my payment due date was changed from the XXXX to the XXXX of the month making the payment due onXX/XX/XXXXand notXX/XX/XXXX. I made a payment onXX/XX/XXXX which would have made the account less than 30 days late. They are also reporting for the month of XX/XX/XXXX as late. I made arrangements for the payment to be put at the end of the loan this was completed on XX/XX/XXXX which was 12 days prior to the account due date. They advised me when I called today that due to the time it takes to process the paperwork my account became late. I was not advised that such would happen. Again up until last week Westlake had reported all of my payments as on time. So the last six months they reported the account as being on time but after I filed a complaint with CFPB now all of a sudden the account had late payments. It is a violation of the FCRA to report inaccurate information and holds a statutory fine of $ XXXX each occurrence. The person I spoke to today told me that I have to dispute the item with the credit bureau. I explained to her that I would like to dispute it with the creditor as your company is the one that made the mistake with reporting incorrect late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX I filled a claim with Citicards Advantage Mastercard Travel Benefits due a lost luggage claim. I submitted all the paper work after my luggage got declared lost. I received a email from then later saying that I never submitted the claim, where I actually have as proof the email sent at the day I stated on here. Now they do n't want to pay for the lost luggage because they said I need to send the replacement receipts. I already sent all the receipts from all i bought before I lost the luggage as proof of items that I lost. On the Guide Protection Benefits on the Lost luggage is not stated at all that I have to purchase all the items again, I mean I lost the luggage. I am not filling as delay luggage! Even so they are still pending due this receipts. They should have on the Guide Protection consumers PDF that when you loose a luggage you should go re buy everything in order to get paid for the items you lost. They are wrong because it should have in that book, also many years ago my husband got a luggage lost and did n't need to re buy everything. I need you guys help in this matter please. The CITIBANK Advantage Mastercard cards also they have the worst customer service, before I told the problem on the phone to them, I asked about the Protection and they only told that I have to submit the receipts of what I had on the lost luggage, then later they kept asking me they need the receipts now from the replacement, where in the guide the replacement receipts are only asked for damage claims. Everyone should be very cautions with Citibank cards because honestly the are a such Scam and they have the worst customer service, I have to make a lot of calls at the claim department and have to wait for a long period of time as well.
I am very disappointed with Citibank Advantage Mastercard.
I highly do not recommend this card to anyone!

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 2017-08-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX lists me as " Paid was 90 '' or delinquent 90 days. I was NEVER delinquent. I had applied for deferment. I called them to confirm they had my paperwork. They confirmed it. I called again later and then they stated they could n't find it. I told them to look again and they found it. The paperwork was turned in timely and before the deadline. The account has been transferred and is being reported multiple times. It should be removed due to inaccuracy and duplication. It is impacting my credit and I was denied a home loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Before the end ofXX/XX/XXXX, I met someone online after 7 long years I 've been a widow, I never dated anyone so I thought I try the online dating, I did. For few months were corresponding, 24/7 communication through texting, emails, and calls..I fell in love with XXXX XXXX this was his fictitious name. During our correspondence he told me that he is working as a XXXX XXXX in XXXX business name XXXX, I checked it out then, it was all real and his name and photo was there, so everything seems to be valid and real. So then everything seems to be good. So, we continue to our relationship, I was comfortable, happy, secured, and inloved! Fast forward ... one day he told me that his company is about to give him payment for his finished construction project in XXXX government but he needed my help in order for him to get his payment to process all the documents to transfer the money in my account here in the US so when he comes and moved here financially everything would be ok. I believed in everything he said and I trusted him. So then, he said he needs {$8600.00} for the documents then, he sent me all the information of the XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, HIS account number XXXX and IBAN OR swift. He told me to put " GOODS '' on RECEPIENT PURPOSE of payment so it would be easy to send the money I went to the Bank of America to make the wire transfer on XX/XX/XXXX, the transaction was done. We had a good communication after that ... until around XX/XX/XXXX that 's when I found out I was scammed. I was manipulated. HE IS GONE!
I was shocked! devastated, ashamed, lost, XXXX, empty! I had to call the police to report this and advised me to call FBI and also file a complaint, and I did. I had to make an appointment to the FBI office to show them all the proof and evidence that I was scammed.
It 's been months I have been so XXXX. I had to see my doctor and seek a counseling because of this. I was /am XXXX.
I ask the Bank of America, CFPB and XXXX XXXX to help get my money back from the RECEPIENT 'S ACCOUNT. It is my savings account that I worked so very hard to earn it is a CLEAN LABOR AND SWEAT! Please help me. Thank you so much.

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 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello there, My Credit Card Limit was increased from $ XXXX up to $ XXXX without my consent and permission. I dont even know that during the moment i saw my " new '' credit card limit on my cellphone. Bank of America did that and I am wonder do they have a permision to increase ( rise ) my credit limit? Who gon na pay for it? I don need and never ask anyone to increase my limit. What about if i spent the money they gave me and cant fill out the balance. Just wonder! Please help me to get over that situation. I 'd want to protect my right and I need to know what the law says. Can I sue the bank and how. Absolutely agree they have to be punished about their action. Could you explain me please how that can be possible to get increased credit limit without asking for it in 21st century. Tomorrow they gon na increase me up to XXXX XXXX without my consent and permission. Who can stop the bank doing illegal things. They are mafia Also whole my life I am wonder why they can give me 1 % interest keeping my money for a year during they ask 15-25 % interest if I take a " loan '' from them? for same amount. I mean i can go to the bank make a deposit for $ XXXX and then they gon na give me a 1 % interest but in same time same day I can fill out a application asking for $ XXXX loan for a year and they gon na give me those monet with 15-20 % interest. WHAT is the difference why my action is named deposit and their loan. I can give them a loan also for 25 % interest a year who can protect my rights or I am sick to think about that like that. But please tell me what is the difference

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 2017-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 2017-08-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting several student loans incorrectly and more than once. They show the following loans as " Paid was 120 '' when in fact I had submitted my deferral paperwork on time and had even called several times to follow up and was reassured that it was in process and that there would be no impact to my credit. Loans : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, These also transferred and are being handled by a different company. It is duplicated and incorrect.

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 2017-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from 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 non-monetary relief
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
The home in question was purchased in XX/XX/XXXX - the original loan was serviced by XXXX XXXX XXXX XXXX - there were 2 loans that XXXX was holding. XXXX put a lien on the property for both the first and second mortgage. When XXXX closed - the loans were transferred to XXXX XXXX. We were notified that the 1st mortgage would be cancelled and the second mortgage funds had to be paid and the mortgage company ( XXXX ) also told us that they will stop paying the insurance and the taxes on the home. Subsequently - the XXXX XXXX company also closed - and 1 loan was transferred to Ocwen - this would be the 2nd mortgage that was transferred over to Ocwen and the amount was paid in full. However the 1st mortgage, that was cancelled, was never removed as a Lien on the Property. We were informed that Ocwen took over for the XXXX XXXX XXXX and that they would be the holder of the loans now. We have requested Ocwen to verify the cancellation of the first mortgage and requested that Lien on the property be removed. Ocwen 's more recent reply on XX/XX/XXXX - that they have no information on the 1st mortgage and can not verify the existence of the 1st mortgage and they do not have a point of contact for XXXX to confirm the same. Please advise on what to do to resolve the issue of removing the lien from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: NJ

Complaint narrative:
I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

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 2017-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We have had many mortgage and lending companies service our mortgage. In XX/XX/XXXX we had sent a XXXX dollar money gram to XXXX XXXX to catch up on our past due charges in which they said we owed. When we got the next bill it was asking for more money over {$1000.00}. So we filed for Hardest Hit Program.They gave to XXXX XXXX XXXX dollars to help us, But when we went to pay the first payment in XX/XX/XXXX when the program was over, we were amazed to see that only XXXX dollars was applied. So when we asked the manager where the money had gone they said it was hidden fees and could not give us answers. We stopped paying and let our lawyer take care of the phone calls and letters. Then the mortgage was sold to XXXX and now is with Shellpoint mortgaging service. I wrote a letter to Shell point to describe all the history of what XXXX XXXX did but no response. So now XX/XX/XXXX we want to move. We asked for payoff of our home and this is the amount, XXXX payoff which is fees added on to the mortgage from {$85000.00}. WOW The mortgage should have been XXXX or less after the program helped but now they have tacked on another amount of ALOT more. This is not right for us and many others in this situation. I wrote a letter to the program and they directed me to you. Please help us with this.We want to sell but need the price down to XXXX or send us the title to our home in which we had a 15 year and paid double toward the principle at times. We have lived here for 18 years. Brand new on a lot we purchased years before. We were never late until hard times in which we gave them the full amount in XX/XX/XXXX of {$5000.00}, They tried to foreclose us XX/XX/XXXX but that is when we went for help and now they either want the {$110000.00} or saying we are in preforclosure which we just found out at our bank when the credit report was run. We appreciate all the help you give to us, My daughter has just left for the XXXX XXXX XXXX XXXX XXXX XXXX and I appreciate the video of the young man in the XXXX XXXX that helps people in this site. God Bless America. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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 with product or service terms changing
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In 2014 I attempted to get a deferment on my student loan as I was not making enough moment each month for regular repayments. I had gotten several deferments for forbearance for the same reason over the years. Eventually I did get the payments deferred, but I have a " late '' payment in XXXX 2014 on my credit report. It dragged my credit score down XXXX points and now I have trouble getting apartments and believe it will cause me problems if I attempt to purchase a car or home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
wrote two letters to this company last XX/XX/XXXXand again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

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 2017-08-08 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I wrote two letters to this company last XX/XX/XXXX and again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08 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: Nelnet, Inc.
State: NM

Complaint narrative:
*XX/XX/XXXX- Spoke to XXXX about removing a " Consumer Disagrees '' in the comment section on all 7 of my paid off student loans. * Spoke to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Spoke to Nelnet Loan Services XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I even have a letter from Nelnet stating that " All Loans have been paid in full. '' This is truly frustrating as I am now trying to buy a home, and all 7 of the " Consumer Disagrees '' are harming my chances of getting a great APR.

Company response to consumer: Closed with explanation