vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXLast payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX Closed XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC
State: TN

Complaint narrative:
XXXX2011 for {$320.00} I called the company Pinnacle Credit Services told them several times that this account is not my account because address does not match, city does not match, & I already have a account with XXXX so how do I owe them & I already have account already for 8 years does not make since, Told Pinnacle Credit Services to remove this account from my credit report several times as of today the company has not did so total illegal what this collection company is doing, Pinnacle will say anything to keep the account on credit report even do its not your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
MY HOME IS BEING FORECLOSURE WITH A FRAUDULENT ASSIGNMENT THAT IS CLEARLY DEFINED AS A ROBO SIGNED DOCUMENT. FRAUD CAN NOT BE THE BASICS OF OBTAIN A DEED THE CUT OFF DATED OF THE ALLEGED LISTED IN THE POOLING AND SERVICING AGREEMENT FILED WITHIN THE UNITED STATED SECURITIES EXCHANGE.STATES THAT ALL MORTGAGES HAD TO BE CONVEYED PRIOR TO THE CUT OF DATE IN SECTION 201 I ALSO REVOKED THE POWER OF ATTY THEY ARE USING TO FORECLOSE ON MY HOME I HAVE ASKED FOR A MODIFICATION, AND THEY HAS REFUSED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XXXX XXXX, XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed 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 2017-11-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Approximately XX/XX/XXXXmy son attended XXXX College. One of his loans which is a private loan through XXXX XXXX is under my name. Payments were automatically withdrawn from my account on a monthly basis. In XXXX I tried to get my account balance online but I was denied entry. I called XXXX XXXX with negative results everyone I spoke to had no information on a student loan I was paying every month. A representative at XXXX XXXX told me that my loan was with Navient but with recent research and bank statements it 's only clear that XXXX XXXX is the agency named on my bank statements in regards to monthly withdraws. Since I was unable to get any information on my student loan balance I decided to stop the monthly withdrawals XX/XX/XXXX from being taken from my account thinking that someone would contact me about my payments. Well it 's been a year and no one from XXXX XXXX has contacted me about a payment, I find this very odd and disturbing. I would like some information about my student loan account payments. Is there still a balance? If so why are n't they asking for payments? Has my account been satisfied? If so when was it satisfied and why was n't I informed? If I do n't receive any information about my account I will be forced to turn this matter over to my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I attempted to reach out to XXXX XXXX XXXX to settle a debt that is in collection. The debt is originally from Synchrony and was charged off by Synchrony at {$3500.00}. XXXX is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to XXXX. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.

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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I applied for an auto policy from XXXX, an insurance carrier, and XXXX suggestet that a credit file was obtained from TransUnion. I have requested a copy of the information on file at TransUnion, but TransUnion has not provided such.

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 2017-11-03 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: GA

Complaint narrative:
Saturday XXXX, XXXX, XXXX I received a piece of mail with a return address in XXXX, TX. It looked like junk mail, and I had moved last year from that area of Texas. I opened it without notice that it was not addressed to me. Inside was an Experian credit freeze report XXXX on a XXXX XXXX XXXX XXXX. I have owned this home since XXXX XXXX, and moved in XXXX XXXX. I had never heard of this man. I felt bad for opening it and decided to call Experian. However the phone number on their report was automated with no way to reach a human. I listened to the recordings and determined that in order for XXXX XXXX to have received such a report, he had to have committed FRAUD using MY address. I then began to look into who he was, a convicted FELON with multiple counts of theft and drugs dating back 20 years! I showed his tattooed photo to neighbors who confirmed he once rented the home where I now live. So, on Monday, XXXX XXXX, I sent a letter to Experian which included information on two issues I had with ID theft locally from XXXX and XXXX of this year and in the process learned someone had opened a PO Box in my name in XXXX. My letter to Experian included a recent bill with my name at my address. There is a police report in XXXX XXXX, GA XXXX and they were notified as well. The answer I received from Experian was STUNNING! They claimed I was NOT authorized to give them the information on XXXX XXXX likely FRAUD using MY address! I then contacted them on XXXX directing them to county property records that proved my ownership and was told the problem was with the MAIL service! I then contacted your bureau asking for a mail copy of a complaint form that never came. Anyone paying attention?

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 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northland Group Inc
State: FL

Complaint narrative:
Northland group sent me a letter attempting to collect a debt. I sent a debt validation letter that they received on XX/XX/XXXX,2017 asking them to validate the debt. Legal debt validation is a complete payment history, an agreement that bares my signature, letter of sale or assignment from original creditor to their company, a signed agreement that bares my signature with authority to collect on this debt, information relating to the purchase of this debt is not proprietary or burdensome. Under FDCPA section 809 ( b ) Northland Group is not allowed to pursue collection activity until debt is validated. Courts ruled that reporting a collection account indeed is considered activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX someone tried to gain access to my account. They fraudulently tried to use someone else bank account to pay off my balance and then use the available balance on the card. I was notified that my card had been restricted when I saw the same thing on several of my other credit card accounts. I made a police report and was told that this is a scam that had been going on. I notified Capital One and told them that I would be producing a police report shortly but I could n't because at the same time my city ( XXXX, Alabama ) had been locked out of their systems by a hacker who was demanding ransom and they could n't put any police reports into the system or even get into the system for that matter. As soon as I was able I got what I needed and sent it to capital one. I also turned over other police reports because I have been a victim of fraud several times before and I try to keep a close eye on my credit reports and things of that nature. I was told that I needed to pay down my balance and that after that they would re-authorize my card. I did exactly what I was told to do only to be told that they would not be reopening my account even though they had all the evidence that it was not my fault and that I was a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fitzgerald & Campbell, A Professional Law Corporation
State: CA

Complaint narrative:
They call daily to say they are processing papers for court ( to take me to court ) Both me and my XXXX year old mother. They are also contacting family members. They say they have to get us processed for court and that our legal rights will be forfeited once they file with the court. When I call them they are asking for a {$500.00} processing fee with credit card only. I will not pay this and I believe this is an old debt. I believe this is a scam. They will not give me the name of the collection firm, so I am not able to send a stop contact letter. I want this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RevMD Partners, LLC.
State: UT

Complaint narrative:
There were 2 separate accounts from REVMD PARTNERS LLC placed onto my credit report XXXX 2017 showing as collection accounts. I was never made aware of any debts before placing them for collections in writing or otherwise. The original creditor name shows on my credit report as XXXX HOSPITAL. I have never visited or been to this hospital as it appears to be located in South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My husband and I each had credit cards with XXXX XXXX through Synchrony Financial. We opened the accounts in XXXX XXXX and spent {$1400.00} on one and {$1000.00} on the other. We made rehular payments on time and in XXXX of XXXX paid them both off to a {$0.00} balance but kept them open for a number of reasons. In XXXX XXXX, we each got a letter stating they were closing our accounts due to bad credit!!!

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 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I received a notice of service transfer from XXXX in XXXX stating my mortgage was transferring to Mr . Cooper. ( FKA Nationstar ). On XXXX XXXX, XXXX I received an overnight letter from XXXX explaining that my loan was removed from the transfer and i would be remaining at XXXX. I have an ACH set up on this account, and it drafted my monthly payment as expected on the XXXX. I received an email from Mr Cooper on XXXX/XXXX/XXXX stating that my loan was now being serviced by them and that my ACH would automatically transfer to them and they would remove my payment from my bank account. I called Mr Cooper to confirm who was servicing my loan and make sure two payments would not withdrawal from my account. The associate stated she could not help me because all of my information had not been received into their systems yet, but she confirmed that they do service my loan and she was not sure why XXXX sent me the retraction letter. I asked her to escalate this as i had serious concerns - 1 with their ability to auto withdrawal from my account without my express written consent, and 2 that i needed to ensure my loan was only with one company. She said since my loan was still being set up there was no one that could help me. she then proceeded to explain that Mr Cooper is in the process of boarding XXXX loans and they are getting a lot of calls so they could n't help me for another 6 days. I asked again if there was really no one that i could escalate too as this may be affecting more customers than me. She said they 've received several complaint calls about paid in full customers that should n't transfer, but not about my situation. I again asked who i should call, I suggested XXXX and she agreed I should call them. I did call XXXX tonight and spoke with XXXX, who was extremely helpful, confirmed my account was supposed to stay with citi and the retraction letter was legit. He attempted to conference Mr. Cooper in on the line with me to get the issue resolved, but the IVR stated they closed at XXXX CST today. It was a few minutes BEFORE XXXX CST when the call attempt was made. What kind of customer service is this? I work, i do n't have time during the day to call and resolve the inadequacies of a mortgage servicer like Mr Cooper. I will now need to call tomorrow and hope I can get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied and got approved for CitiBusiness AAdvantage Platinum Select card on XX/XX/XXXX. The card had a bonus offer of XXXX AA miles after spending {$3000.00} in purchases within the first 3 months of account opening. On XX/XX/XXXX I called to inquire about not receiving the card. Also, I wanted to confirm the above XXXX bonus miles was attached to my account. To my surprise, XXXX an Account Manager in XXXX XXXX in Florida claimed that I was n't eligible for any bonus offer since I had another CitiBusiness  account closed within the last 24 months. I explained to XXXX that I did n't have any Citi Business cards for the last 4-5 years. He claimed that I had the same account type closed in XX/XX/XXXX which is not true. I asked if he could tell me when was the last time I paid the annual fee on that card, but he claimed that Citibank had recently migrated their data to a new system and therefore he was unable to retrieve any data for that account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX sent me a letter saying on XXXX XXXX, 2017, Equifax suffered a data breach. XXXX XXXX XXXX says no data breach were on their end, but my personal information might have been exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Analysts of MN, Inc.
State: MI

Complaint narrative:
I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown address.

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 2017-11-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Ditech is fraudulently trying to imply that I owe mortgage payments on a home equity loan that my father took out years ago. They are claiming that they acquired the mortgage from XXXX XXXX XXXX which has already had to pay a {>= $1,000,000} settlement for fraudulent lending practices. Greentree is dissolved and now they are trying to fraudulently do business as Ditech. They do not own and never have owned the debt note and are in violation of the law that forbids such actions. In the words of the former Director of the FTC Bureau of Consumer Protection XXXX XXXX XXXX " it 's against the law for a loan servicer to lie about the debts people owe, or threaten and harass people about their debts ''. Ditech has been lying and unlawfully broke into my father 's property and placed locks on the house and removed his merchandise valued at hundreds of thousands of dollars. I filed an Order to Show Cause motion with the Court but it was never answered which leads me to believe that the Courts may be complicit. They also had the items removed by XXXX XXXX XXXX XXXX which is not even registered to be doing business in the state.

Company response to consumer: Closed with explanation