vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
My mortgage originated with XXXX in around XXXX. It the went to XXXX XXXX and the servicers were XXXX, then XXXX and now Carrington Mortgage Services. During these shifts I was told I was behind, which I do not remember ever not paying my mortgage ; however, I did ask for a modification with XXXX and was declined. At that time XXXX XXXX XXXX took over, then when XXXX took it I was again told I was behind. Due to their aggressiveness I filed a chapter XXXX in XXXX, with no other credit issues but the mortgage. I filed with a lawyer who made a comedy of errors and I had to retain new council. I was given the wrong amount for payment for close to two years and was sending in an underpayment. The bankruptcy court alerted my attorney and we made a plan to make larger payments to put it back in correct status. XXXX and Carrington both had representatives who verbally told me the amounts sent in from the trustee were a mess and needed to be audited ( repeatedly ). It also appears to me the trustee failed to pay a note or more than one note, as one of the attornies in the trustee 's office was fired. 

While with XXXX, I asked for an accounting the rep told me an estimation, and I got the amount he gave of approximately {$2000.00} out of my XXXX to pay. He said they would do an audit and he estimated I would still owe approximately {$500.00}. It then went to Carrigington who gave me a bill for $ XXXX in XXXX or XXXX of XXXX which I paid. They then showed I didn't owe anything for several months when I looked on line, not sending me any statements. After a couple of months I started making payments by mail as they blocked me on line. I have no idea if their figures are correct, no one will give a full accounting for the life of the loan as I have requested from each of the servicers. I have tried to get information from Carrington including initiating a loss mitigation program with Carrington and that has failed. I have bills from Carrington which contradict each other in the amount I owe and I have received a foreclosure notice for a sale on XX/XX/XXXX. The problem is that I can not seem to determine what is actually owed on the mortgage to bring it current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
A representative from UCB ( united Collections Bureau ) contacted a phone number that has not been provided and claimed that they have attempted to call numerous times while this is the first time this company has called. This number was new and the representative claimed they were calling a New York Company number. 

When asked for the name the of the company for which the person they were looking for worked at the representative mentioned the company that I am currently calling. When asked to name the company she's calling she immediately changed the subject and asked if the person worked at the company she was calling at. When mentioned to the representative that she could be transferred to the Compliance Department who can assist with the situation the representative became defensive and immediately said " No that would be okay, goodbye. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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:
I was established with a rate reduction plan with XXXX  private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17 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:
I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in XX/XX/2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XX/XX/2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: OH

Complaint narrative:
I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in 2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XXXX of 2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX  and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
Several charges were levied against us upon terminating our lease for a XXXX XXXX XXXX. These charges included {$180.00} and {$150.00} for scratches, which are legitimate and we agree to pay. One is for a termination fee, which is buried in the fine print and obscured between various schedules. We  feel this sort of fee is very deceptive and was not adequately disclosed. The worst part is they offer to void the fee if you sign another lease with them, or buy a new car from them. So, you are punished if you don't do business with them, it's extortion, or at a very minimum a highly deceptive and unscrupulous sales tactic impeding on our right to make our own economic choices. 
Nonetheless we did agree to pay it in our letter sent last month, if only to strike a compromise because of the situation below. 

The fees we are formally disputing are two {$120.00} charges ( plus tax ) for " excess wear '' on two tires. The problem with this is that our lease permitted XXXX miles, and we turned the car in with roughly XXXX miles, so if there was any " excess tear '' it was because of issues with the product they sold us, and not with our use of that product. 

VIN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
When I started college, I was single mom, with XXXX kids.I was in low income single head in a household.The student loan kept adding up.Even I was working all the time so not get student loan.The yearly interest was flying rapidly.I 'm trying to catch with the student loan.Navient had called me for loan forgiveness since I worked full time sub-teacher.When I talked to Navient they change what they said, they want me to pay $ 560 monthly.They added and pile the loan on my credit report.With yearly interest 14.9 %. I spent hours and hours talking to them with no success.I told them I need an income plan for the payment long time ago.They called me am qualify for loan cancelation and I called back nothing had done.They had called me more than ten times am qualify for govenment forgiven program, I called back and nothing had done.I 'm so sadden and confused, I felt am in prison on my student loan problem with no seems to end or go nowhere.Am still in low income trying to help my XXXX kids in their life.Am in Housing Authority program.I lived in the same home for 11 years, always I felt my home just my prison with no freedom.Navient had ruin my credit history and made my credit score very negative and look bad.I want them to remove those piled student loan with very high interest to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company continues to viciously attack me with no proof of any debt that supposedly stem back from XXXX almost 7 years now. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. 

I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! 

All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! 

I need this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased a TV from best buy under promotion no interest for 2 years. The person selling the TV explained that whatever wasn't paid back would then be charged interest after 2 years not that I would be charged the full interest. It was never on any statement listed as a promotional value so when I went to pay my last {$200.00} payment to pay off the TV and saw {$1200.00} in charges I called best buy who said I owed it and I agreed to those terms although they couldn't give me any documents showing I agreed to that. I went to the store in XXXX, IL where the TV was sold to me and spoke with the manager who agreed even she wouldn't pay what they were asking because that's not how they understood the terms. I complained to many customer service reps over the phone who said they would file a complaint on my behalf and after having up to 5 phone calls a day from best buy customer service I filed a written complaint because I feel I've been fraudulently charged and continuing to be fraudulently charged. Best buy sent me a letter that they would close my account to post but I'm still responsible for any fees they feel like charging me and did not address my complaint. I will pay the interest on the last {$200.00} dollar payment of the TV and am ready to settle with Best Buy and Citi Bank but can't speak to anyone who is the least bit helpful. Citi bank wants to charge interest on this back interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC
State: MD

Complaint narrative:
I was referred to XXXX  XXXX XXXX XXXX XXXX for care by my other doctor. Please note this was a workers compensation claim which I am not required to pay any bills the insurance pay all bills. When I received a call from the collection agency Capital Accounts I informed them that the bill was incorrect an I only owe one late fee for a missed appointment. However, Capital Accounts would not allow me to pay anything but the whole amount and sent me information to the credit agencies. I don't owe a medical bill the doctor was paid she sent me to the collection for a missed appointment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2018 an offer was submitted to Mr. Cooper Short Sale department. After several attempts to inform the lender of the Condition of the Home and several Reports ( included in this Complaint for review ) the lender responded with a Misinformed opinion of the Condition of Value and Included the Existing Square Footage as addition Square footage and requested a Price of {$270000.00} for a property that is only worth {$180000.00} at best. We have an Independent HUD/FHA certified appraisal of our own included for the review but they did not consider it either. In their own words they mention the Contractors estimates could not be considered as the Broker is not a licensed Contractor and could not give an Value or consideration to the review. The Broker who conducted the BPO is only a broker and is limited to only recent Comparables in the area and also stands to Gain the Listing if and when the Property get foreclosed on. A very Suspicious Practice indeed. The Review that was sent back is Included for your oversight into this matter. Please assist in this case as all we are requesting is that an actual independent appraisal be hired to conduct an As-IS appraisal not a Subject to appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: IN

Complaint narrative:
On XX/XX/2018 XXXX XXXX XXXX conducted an unauthorized hard inquiry into my credit reports. I did not inquire on any loan in XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted disputes to the credit bureaus XX/XX/2018 I have not received responses as of this day. If they were sent please resend. This violates the CFPB regulations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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:
Hi : I have leased two SUV from XXXX XXXX of XXXX XXXX on XX/XX/XXXX with Financing with XXXX XXXX XXXX XXXX. 
I have paid all the payments on time since it was on " Automatic Payment '' directly from my Bank Account. On XXXX or XX/XX/XXXX and due to their system failure, I was kicked off from " Automatic Payment '' program, backed to " Manual Payment '' without my consent or even without informing me about this change! 
Consequently I was late for more than 30 days on one of my monthly payments and until on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX to discuss this issue with me! 
I told them I didn't ask for any changes on my payment system and want to get back to automatic payment again. They said they are sorry for not notifying me earlier, because I was on " Paperless '' list so they didn't send me any notifications! But they said I can make a payment over the phone and then everything will get back to normal and I will be on " Automatic Payment ''  again. Which I did and got back to their " Automatic Payment ''. 
But next week and while I was checking my credit score I realized that my credit score has dropped XXXX points due to the " XXXX XXXX XXXX XXXX '' report on me and because of " Late Payment for more than 30 Days ''! 
I called the company and talked to one of their reps and explained the case, she said they will investigate the case and will get back to me shortly, but have not heard from them since XX/XX/XXXX. 
Now I am planning to apply for a very crucial business loan for my business but because of having low credit score ( XXXX ) it seems impossible, just because of the wrongful report from XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17 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: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis is claiming to need my identity information to send me the results of a continuing investigation. I requested an investigation XX/XX/2018, they sent without identifying information the results on one item from the list below. Lexisnexis continues to report unverified information to my credit file in violation of FTC regulations and not requiring ALL consumers provide this info. 
Additionally, LexisNexis has violated the FCRA 30-day regulation. The following items in question should be removed from my credit report. 

US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine

Company response to consumer: Closed with explanation