vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.

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 2017-08-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
Over the past several months i have been disputing this account and they keep saying that it is verified through the credit bureaus. I 've sent letters directly to the Creditor and the bureaus and the only thing i 've recieved back from the company is a bill from a doctors office that does not belong to me and a address that i 've never lived at before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX, I submitted an application for a HARP refinance. After Citibank dragging it out until XXXX of XXXX by continuously asking for more information weekly, I was denied because I could not show enough income possibly because I am XXXX XXXX. At that time, I told my " Homeowner Support Specialist '' XXXX XXXX that my girlfriend lived with me and he said that was good news and that we should submit her financial information. We did that immediately as requested. Since then I have made several phone calls to inquire about the status of my application only to spend hours on the phone receiving the run around. Usually I get cut off or I finally give up holding. I am still making payments when I can and would like this resolved. I am hoping that you can help.

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 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: LA

Complaint narrative:
During XXXX of XXXX, I made an extra payment that should have gone entirely toward principal in the amount of {$40000.00}. My servicer at the time ( Franklin American Mortgage Company ) broke this payment up into 8 separate payments that were applied as follows : XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ), XX/XX/XXXX {$1200.00} ( future payment ), XX/XX/XXXX {$10000.00} ( Principal payment ). So, a total of {$37000.00} was correctly applied to principal, however {$5000.00} ( or 4 payments in the amount of {$1200.00} ) was not applied. I continued to make my usual payments each month, which pushed those 4 " future payments '' further out until my loan was sold to XXXX XXXX and they notified me of the future payments and applied them to my balance in XXXX of XXXX. I am concerned that I was never notified of the unapplied funds while with Franklin American Mortgage Company and paid a much higher interest payment each month for years, because the funds were not applied correctly. My current balance should actually be much lower.

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 2017-08-10 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: OH

Complaint narrative:
XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice XXXX paid in full never late agreed to removal from all 3 credit bureaus.

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 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: TX

Complaint narrative:
Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
This complaint is regarding FedLoan Servicing, a student loan servicer that the federal government - unbelievably - sells their student loans to. I completed a year of service as an XXXX XXXX and received an education stipend in the amount of {$5700.00}. I submitted a request for FedLoan Servicing to accept this award through the XXXX login portal on XXXX XXXX, 2017. Today is XXXX XXXX, 2017. I called FedLoan Servicing and they dodged the question/did n't seem to know what was going on and gave me a quote of a 30 day turnaround time. I then called the XXXX XXXX XXXX Award hotline, and they informed me that since my loan was " Pending Institution Action, '' it is literally just sitting in the work basket of someone over at FedLoan Servicing waiting to be approved ( a process they informed me should only take a matter of days ). The XXXX hotline also informed me that they have notes in their system that FedLoan Servicing is the least cooperative loan servicer that they deal with. So I called FedLoan servicing AGAIN, took the advice of the XXXX hotline and asked to speak with an XXXX  administrator - they basically were like no, and again did n't really know what I was talking about when I mentioned my pending education award. They again gave me a turnaround time or 30 days - but instead of 30 days from XXXX XXXX, 2017, they said 30 days from XXXX XXXX, 2017. At this point, I can not believe that the federal government sells student loans to such a predatory organization. The longer that they choose to take " processing '' this award ( aka hitting the accept button in an online forum ) the more interest I accumulate. I imagine if they do this to every single XXXX Alum they deal with, it probably earns them a decent sum of cash from 1-2 months of interest accumulation. It 's disgusting. I 've heard similar horror stories of this kind both online and from people I know in real life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: GA

Complaint narrative:
we were advised by the lender the file was removed from review due to missing items - All missing items were provided for the review 3 times and the lender refuses to accept the information being provided - it was requested to provide the clients husbands income for review of the modification - XXXX XXXX is not on the mortgage and did not start work until XX/XX/XXXX he has been unemployed since XX/XX/XXXX- XXXX does not have a bank account - all transactions are completed by cash only - there are no tax returns due to the business being only started since this year and he is not required to file for the earning of this year until next - We were also advised that a sale date was set on this file XXXX - when the file should and was under review with the lender - the lender has set this date for XX/XX/XXXX - this is considered Dual tracking and is in violation of Regulation X. The file should have been deemed complete for this review - the lender has been provided a letter of explanation regarding the husband 's income to satisfy their requests. We have also requested the income from the husband be excluded from the review if the Letter of explanation is not satisfying the requests. The lender has not completed the review of this loan properly and did not reviwe this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
DIVERSIFIED CONSULTANT place a debt collection on my credit report without giving me any notice, nor trying to get in contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
We have been trying for a modificaton since XX/XX/XXXX. It has been an exasperating ordeal for us and all we want to do is go back to making good faith mortgage payments to NationStar. My complaint is a serious matter, since our documents were sent, we 've been denied twice for a modificaton beacuse the Underwriter reviewing our file uses financials that are at least two months old. Each time we place a call to Nationstar, we are advised no further documents needed and no updated financials needed. How is that possible if we submitted documents since XX/XX/XXXX?! Our finances has changed for the better, we are XXXX XXXX and collect rental! How is it that a bank can review then denial a modificaton without accurate information?! How is it that a bank can review then deny you for a modification withour updated Profit and Loss and supporting bank statements?! Why is it that NationStar 's goal in NOT to help their long time customers but rather help us lose our home?! This is concerning to us because we can not afford to lose our home, it is not an option for us- the reason why we defaulted on our payments was because I was laid off of my job. Since our hardship, we have started a business which has been successful and we have consistant rent every month. It 's concerning that we can shoe affordability on to pay our mortgage but Nationstar is not doing their due diligence to when it comes to obtaining current documents for a review. How many times will they deny us a modificaton but then reopen our case for another review?! Why ca n't they get this right the first time around? I can never get a hold of a supervisor or the Ombudsman office, the representatives has lack of information to provide each time. We are annoyed and scared- this is not turning out in our favor but the banks! We ca n't even get a hold of our representative XXXX XXXX! extXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX/XXXX paid in full and agreed to removal from all 3 credit bureaus. XXXX XXXX charged off but reporting twice okinus paid in full never late agreed to removal from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a fight with Chase Credit Card on a business card that I was not responsible for as I was a XXXX XXXX in the XXXX XXXX I left. We went round and round. They could not provide a written contract that I was responsible for the credit card. I think it may have been the business agent at Chase that did it. After a long fight I was able to get them to discharge the debt, but they still refuse to take it off my personnel credit report. On top of that even though I have an excellent credit score at XXXX. Chase is denying me credit cards that are attached to other companies, such as XXXX XXXX etc. Based on a lie of delinquency and derogatory relationship with the bank. Our relationship has definitely been rocky but I have never been delinquent on any of my credit card or mortgage payments. Even the mortgage payment I have is with Chase. I think they put me on some kind of secret Black List because in the explanations I have given to other credits etc I excused them of being like XXXX XXXX and opening business credit cards without letting the person know. I have attached their letter of denial and my letter of explanation of the business credit card issue. If you need additional documentation of information please contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-10 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

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 2017-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
International Wire Transfer Request Date : XX/XX/XXXX Amount  sent:XXXX dollars The TD Bank representative assured me that money will be available within 2 days. TD Bank promised to make it available for use of recipient : XX/XX/XXXX The money is still not available to the recipient till date -- XX/XX/XXXX. I have been continuously following up with TD Bank since past two months on it, I made more than 20 phone calls but nothing worked out. throughout this process they have been providing me misleading information about the status of wire. Initially, I realized that they did not have enough knowledge/experience for working with international wires which is causing the delay. There is a lot to tell but to be precise they told me that on XX/XX/XXXX they have sent the money to the recipient bank and TD has put a confirmation tracer on it no sooner it get credit to the recipient account TD bank will get informed and they will let me know. But even after the lapse of 2 weeks the funds were not credited to the recipient bank. First the branch representative told me same story that they have sent the money to the recipients bank. I asked him to provide me some reference number or document as the recipient 's bank told me that they did n't received anything from you.Upon this the TD bank 's representative told me that they even did n't sent the money to them yet. The wire is still with some sort of intermediary bank called XXXX XXXX. It make me to think that it is a fraud/scam which they are committing with partnership of intermediary bank XXXX XXXX. TD bank stressed me out over the past two months.Several time they lied with me that the money is with the recipient bank. accordingly we checked with the recipient bank upon their denial I contacted back with TD and each time and they told me a different story. Now TD bank 's team have started to almost harass me.Therefore, it looks like that they are deliberately want to just steal my money with partnership of XXXX XXXX. Nothing can be worse that TD bank when it comes to money transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-10 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: IL

Complaint narrative:
I have been having issues with this Navient since XXXX of XXXX. They are not willing to assist me with lowering my payments. I had previously requested that they cease phone communication because they call and never help me. When I did try to set something up, all they do is just move the past due amount to the end of the loan to the principal so that they can charge more interest. I never had an issue paying my loans with Navient when my bill was affordable at {$280.00} a month. However, they decided to increase my payment by {$100.00}. Which I can not afford. Each time I explain that I pay bills that are not in my name, they do not take that into account. I have kids, and bills that I have to pay and have to budget every month. Unfortunately I do not have extra {$100.00} a month to pay. Today XX/XX/XXXX a collections agent called me and explained that I am past due, which I am aware because I can not afford the monthly payments. I explained to the customer that I told them to cease calls last time and the agent began to rudely explain that they gave me money and how are they going to get their money back. Being extremely rude, really upset me because all I have been trying to do is get an affordable monthly payment to pay off my debt. All they want to do is cause me to be past due and mess up my credit. Navient in no way is trying to help me and I can not pay them unless we can come to an agreement that I can afford. I would be happy to pay {$280.00} a month like I was promised by an agent back in XXXX XX/XX/XXXX but the agent LIED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Unknown collections listed requested validation and nothing received. Please help CCS Collection # XXXX CCS Collection # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
There are two XXXX XXXX XXXX XXXX accounts for which I was an authorized user on and not the primary accounts holder or the person responsible for these accounts that Equifax is reporting as I 'm the responsible party when in fact in the credit reports it states I 'm simply an authorized user ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: OR

Complaint narrative:
I Have 2 complain against Statebridge Mortgage company : 1 : my loan is due on the XXXX and past due after the XXXX, I get calls some times 3 times a day including Saturday and Sundays after XXXX of the month telling me my loan is late and must be paid immediately. I have called and wrote to them several times and this practice has not stopped. For your information I pay my payment on the XXXX and never been late on this loan. 2. Their on-line payment does not confirm if you have paid and if you accidently pay more than once, they will not cancel the additional payment even though still has not been processed.

Company response to consumer: Closed with explanation