vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My XXXX/XXXX Visa credit card : XXXX, XXXX/XXXX Visa credit card : XXXX is lost/stolen, and the charges on the accounts are fraudulent and unauthorized charges/transactions. My drivers license, social security card and other credit was stolen from mailbox. My local post offtce issued notification on mail thefts in my area.

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 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I have a closed credit card account with Wells Fargo that was opened XX/XX/18. The account is in collections. I tried to work with Wells Fargo in order to come to a resolution and get the delinquency paid. I would like the closed account/delinquency removed from my credit report. Please assist.

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 2018-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
While refinancing my loan back in XX/XX/2016, I had a long conversation with PennyMac Loan officer XXXX, regarding my PMI while refinancing, I asked when it would fall off, how it works and everything like that. A year later while talking with PennyMac they stated that my PMI is for the life of the loan. This is NOT what I was told from XXXX XXXX Loan officer # XXXX, we had a conversation specifically about the PMI. I would have never signed this knowing that when we had verbal over the phone communication regarding this. I have since complained to PennyMac and have gotten nowhere. They're actually the ones that referred me here to make a complaint. Customer service can't help me on their end, neither can managers of loan officers or managers of service. I am getting no where and was given misleading information, basically flat out lies. Please help me resolve my issue. Please pull the phone calls, I have asked PennyMac multiple times and they wont

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL, INC.
State: IL

Complaint narrative:
Received a notice from Coast Professional , Inc. about an alleged student loan debt I owe but this is a hand-me-down dunning notice from a previously disputed debt by another debt collection agency and the school, University of XXXX. The school was previously paid for credits obtained but refused to turn over my transcripts for credits earned so they're essentially holding my credits / degree hostage for classes I didn't take and although I've withdrew from my classes in time, they still charged me and referred my account for collections which is not fair. This has been ongoing for more than ten years,

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 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
XXXX of 2017 I put a down payment down on a dog. I was told the cost of dog was {$1200.00}, and had agreed to pay that through a financing program. The name of the institution is Monterey Financial. After the {$1400.00} was paid ( 1 year later as I was told ) the institution continued to take money from my account. Therefore I stopped payment by calling the bank & paying the bank a small fee.

They are continuing to call my phone and Im concerned this may affect my credit in a detrimental way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I sent this company my first dispute on XX/XX/2018. This letter had a conditional endorsement notification as required by law to inform the other party of impending cheque to be sent. I fulfilled my end by sending in my cheque and a brief notification to support my intention on XX/XX/2018. 
To my surprise, despite all my effort to notify this company, it still exercised unfair business practices as they went ahead and cashed the cheque and not deleting what we had agreed to be deleted. Furthermore, this company Violated the California Credit Reporting Act by Missing Dispute Comment- They even failed to mark the account as disputed by client. 
My case is already with my attorney. Attached here with are 1. My first letter to the company- my conditional endorsement.

2. My cashed cheque 3. The back of my cashed cheque 4. My small claims form 5. My credit file proof of not marking account as disputed by client 6. My proof of mailing of the cheque

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My mother had a reverse mortgage on the house. When she passed away I tried to communicate with the reverse mortgage company but they changed and would not communicate with me. I was denied the 90 days and they started foreclosure on the house. 
My mother passed away on XX/XX/2017. I tried communicating with the company but A lawyer needed to get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America has an agreement with several large corporations that automatically updates your credit card number when it changes so that recurring monthly payments ( think of your XXXX subscription ) always goes through. The intent is that so when you are issued a new card, you don't miss a payment or lose service if you forget to update your card. The problem arises when your card number is stolen through a data breach and used to pay for services with one of the companies. My credit card number was used to open up multiple XXXX accounts in XX/XX/XXXX. We disputed the charges and were credited the funds as well as issued a new card number. Because of this very poor policy, Bank of America gave XXXX the new card number and we got more charges. This process repeated over the next 2 months and we are now on our 4th new credit card and neither XXXX or Bank of America seem to be able to do anything about this. It is clear from what is happening that the fraudsters have found an exploit in this policy that essentially allows them to charge an account indefinitely, regardless of the card number. This actually hurts the merchant and the bank, as I will be getting my money back, but I do estimate I have spent close to 4 hours disputing charges over the last 2 months.

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 2018-10-30 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: U.S. BANCORP
State: AR

Complaint narrative:
I filed for a Chapter XXXX Bankruptcy in XX/XX/XXXX to obtain relief from medical bills and credit card debt. My mortgage and car loan with US Bank was included in the case, but I was never more than 30 days late on a payment for either obligation. I completed the attached reaffirmation agreement, which was filed with the courts. I reaffirmed the debt, and the bankruptcy case was closed in or around XX/XX/XXXX. A couple months ago, I discovered that US Bank is not reporting my payment history to the credit bureaus. I contacted them via phone, and advised them that I reaffirmed the debt with the sole purpose to continue making payments and for my payment history to be reported. They advised they would send a letter in the mail. I received a letter in the mail, and the letter essentially stated that since I filed Chapter XXXX, it was US Bank 's decision to discontinue reporting to the credit bureaus. By reaffirming the debt, I resumed my contract with US Bank, so they should be reporting to the credit bureaus for both my mortgage and car note. At this point, neither obligation is even appearing on my credit report at all, and I have no credit score.

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 2018-10-30 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage account was originally set up with XXXX XXXX on or about XX/XX/XXXX and I was never late with any of my payments. On XX/XX/XXXX I made my monthly mortgage payment on time in the same manner in which I made all my previous payments. Apparently sometime in XX/XX/XXXX my mortgage loan was either sold or transferred to Select Portfolio Servicing , Inc, I was never notified of this transfer and shortly thereafter my monthly mortgage payment to XXXX XXXX was returned and I was subsequently considered 30 days late with Select Portfolio Servicing , Inc . I tried calling Select Portfolio Servicing, Inc multiple times and no one from their office returned my calls. I contacted them in writing and they stated their credit reporting to the credit bureaus is accurate. I believe this is totally unfair and may be illegal. My Credit Reports have always been immaculate, and this 30 day late posting has dramatically damaged my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE SEVERAL DISPUTES WITH EXPERIAN, I HAVE TRIED SEVERAL NUMBERS ONLY TO GET THE WRONG PROMPTS.I AM VERY FRUSTRATED WITH A BIG BUREAU SUCH AS EXPERIAN TO HELP LET ME EXPLAIN WHAT IS BEHIND MY REASONS FOR DISPUTING ANY CHARGES.I WOULD APPRECIATE IT GREATLY IF YOU COULD PROVIDE SOME ASSISTANCE IN THIS MATTER. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL 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 2018-10-30 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: VA

Complaint narrative:
EXPERIAN IS UPDATING EVERY MONTH AN ACCOUNT which status says closed. Who is updating it? Clearly not the Original alleged Creditor, because the status It says assigned to an atty that I'm not aware of? Here are the details XXXX Date Opened : XX/XX/XXXX - THIS IS XX/XX/XXXX -- SHOULD NOT THIS BE DELETED? 

Account Status : CLOSED - So why is it being UPDATED? 
Seriously past due date / assigned to attorney, collection agency, or credit grantors internal collection dept. WITH WHO? 

Comments : This is what I mean, even though they don't have adequate information to REPORT an account, they go out of their way to ANY TYPE OF NEGATIVE information EVEN IF IT CAN NOT be VALIDATED. EXPERIAN IS VERY DISCRIMINATORY Status Updated : XX/XX/XXXX. WHY ARE YOU UPDATING AN ACCOUNT that you claim is with a collection agency? 
Balance {$1500.00}. 
Terms : 1 Month. 
Comments : Credit Line Closed WHERE IS THE Date of First Delinquency for this account? 
WHERE are they getting this information from?

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 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Roundpoint Mortgage intentionally misapplied an additional principal payment as a regular payment for the next month. They charged advance interest in doing so. This misapplication is apparently an intentional error whenever an excess payment amount is at least enough to cover the next month 's payment. This is based on conversation with their representative and also a supervisor. The misapplication of additional principal leads to consumers paying interest in advance that is not due on incorrect principal balances. Obviously, this is a potential profit center for any mortgage service and especially one the size of Roundpoint Mortgage. The company has said they will rectify the error and note my account. When asked if this is how they process all accounts, the supervisor said she does not know and would bring it up to the " Cash Team ''. This is something that deserves a look by the enforcement authorities at  CFPB. From my conversation with Roundpoint, I would highly doubt mine is an isolated error. Date of payment XX/XX/18. Date of call XX/XX/18. Amount of payment Due {$730.00}. Amount of payment made {$1700.00}. amount of advance interest charged {$310.00}. Amount of principal not applied to balance {$1000.00}.

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 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
We were victims of identity theft where someone opened a fraudulent credit card consumers account with XXXX XXXX and charged other peoples credit cards under our business then had those funds routed through a bank account at Sun Trust Bank with  our name on it. We have already been released from liability from XXXX XXXX who issued the consumer credit card reader but Sun Trust Bank is still sending us collection letters. We have spoken to them many times over the past 3 months and each time the Fraud Department says they will get back to us and then they don't and still we are getting threatening letters saying they will turn us over to collections if the balance isn't paid. We sent them a certified letter on XX/XX/XXXX that we printed from the IdentityTheft.org website along with all supporting documents of the crime, including the local police department 's incident 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 2018-10-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had a mortgage we opened with Wells Fargo, back in XX/XX/XXXX. ( FHA ) Unfortunately it was foreclosed upon us on XX/XX/XXXX. Wells Fargo is incorrectly reporting that it was foreclosed in XX/XX/XXXX. That inaccuracy is preventing us from purchasing a new home. I have gone nonstop back and forth with them about this error and they are refusing to fix it. I am attaching the actual letter and legal documents showing the sale took place XX/XX/XXXX. 

House was under XXXX XXXX XXXX XXXX XXXX. 
XXXX. TX XXXX. 

Our current address is XXXX XXXX XXXX XXXX . 
XXXX TX 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 non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Green Square Company LLC.
State: TN

Complaint narrative:
On XX/XX/2018 I was contacted by Premier Recovery regarding an account I am unaware of. When I called XXXX a gentleman answered the phone and said hello. He didn't say the company name. 
When I gave him the file number he called out another someone else 's name. I asked the guy if I could get validation of the debt & he replied that they would not do something that I could do myself. He also refused to give me any contact information to the original creditor when I asked repeatedly. He began to raise his voice at me and didn't assist me with my concerns. I am unaware of the debt and simply was requesting information since I don't recall having an account with XXXX XXXX XXXX. The gentleman was very rude and uncooperative. He was irate because I asked for proof of the account. The guy was very unprofessional.

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 2018-10-30 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 faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX , XXXX XXXX XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened XXXX XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXXXXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage account with Specialized Loan Servicing is not reflecting that it is paid off on my XXXX report and I recently tried to contact Specialized Loan Servicing to no avail.

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 2018-10-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
XXXX XXXX/Resurgent Cap is reporting on my credit and I never received a notice regarding this very old debt that is well past the statute of limitations. 
When I called recently about it because I saw it on my credit report they said they do not send out notices. 
Its a law that you notify a consumer before reporting to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I filed a complaint against GM Financial - your complaint number XXXX. GM 's financial representative told me that they fixed the incorrect credit reporting. They did in fact fix my credit report. The reporting error is now back on my credit report - hurting my credit score.

I have exactly one derogatory mark on my credit report - this one.

Company response to consumer: Closed with non-monetary relief