vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
XXXX  took over my mortgage loan  XXXX / XXXX /  XXXX   and increased my payment without any explanation. My taxes has not increased nor has my mortgage insurance I contacted loan care on    XXXX   XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX  an d  XXXX  I spoke to several people from customer service representatives (  XXXX  #  XXXX , supervisor  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX ,  XXXX  #  XXXX  and  XXXX   XXXX   XXXX   XXXX  and no one could tel l me why our mortgage increased from {$1900.00} to {$2000.00}. They stated our pervious loan server (   XXXX   XXXX   ) sent them.  which we never received anything for chase stating a mortgage increase. We submit  XXXX  our monthly documents on our payments since our home loan was first open. Each company when they take over your mortgage is supposed to do their our escrow analysis. I called as soon as I got a new letter from them stating a different amount then their initial welcome letter and from what I had been paying. I was told by  XXXX  that she 's not sure why the amount changed but she will order an escrow analysis from their company (  XXXX  ) and this was on  XXXX / XXXX /  XXXX  . I called  XXXX / XXXX /  XXXX   and spoke with  XXXX  #  XXXX  and was told that she did n't see anything in the system about an escrow analysis or anything about anyone checking to see why my mortgage was increased and she stated that she would order an escrow analysis. This is very stressful. I called serval time and even got hung up on by  XXXX  #  XXXX  and supervisor  XXXX  #  XXXX  and just today  XXXX / XXXX /  XXXX   I tried to call 3 times and just keep getting voicemail. I know that there should be  3 options before they add any amount to my mortgage account. Which are pay the amoun t in full, make partial payment or spread out over 12 months. None of these options was offered.

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
IRR, Inc .    XXXX   XXXX   XXXX   XXXX , NY  XXXX  Toll Free :  XXXX  Telephone :  XXXX  Fax :  XXXX  Email :  XXXX  XXXX  XXXX   XXXX  started calling my cell phone number several weeks ago to try to collect a debt from the person who must have had my number 4 years ago. They called several times a day from multiple numbers. If I called the numbers back it gave  me 2 options 1- I am  the person they are calling for  2- I am not the person they are calling for. When I selected 2 I was prompted to provide my collections account number- which I do not have because it is a wrong number. I was not able to talk to a real person or select an option to let someone know it was a wrong number. Sometimes I would even choose the 1st choice of being the person they w ere calling still could not get a person on the phone.   I even called the hospital that the debt was owed to. They gave me a number that was also automated and gave me the same choices. Because I called from my cell phone it would prompts me as if I was the person they were looking for. I looked up contact info online. I could not speak to a real person. Finally I called from another number this seemed to confuse the system and I finally got a   3rd choice wrong number.
4 years ago when i got this phone number the person in question used to get many calls. All the other debt collectors had a way I could let them know they ha  d an old phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Today,  XXXX / XXXX /  XXXX  ,  Portfolio Recovery Associates  called my supervisor 's private line  ( a number not publically listed ) and asked for me by name. She told them that they had the wrong number, which is accurate. She is not me. I have no idea what the call was pertaining to, but I googled their business name and see that they have a reputation for pulling these shenanigans on many people. Whether or not I actually owe them or someone they collect for is unknown, however, when my supervisor asks me if I know who they are and that they called her asking for me, I was mortified and completely humiliated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On  XXXX   XXXX     2017  I had a balance with    XXXX   XXXX   o n my  XXXX  store card charge account of {$560.00}. I logged into my online portal to bring up my account and paid off the balance. You are given  three  options for paying off your balance : Pay of balance, pay amount due, and other amount. If you select " Pay off balance '' or "  Other Amount ' ' then it will NOT allow you to type in a greater amount than what is currently shown on the account.     I made a payment of {$560.00}. A month later I received a bill for {$10.00}. Ok I get it, residual interest. On top of that they also charged me a {$2.00} minimum interest charge.     I have tried calling them in the past. I realize this is minor but when you call them you are greeted with a phone tree that after you tell it your account information just pulls up your statement and reads the entire thing to you fo r fifteen  minutes before it will let you speak to a cus tomer service representative. Once you talk to a CSR t hey will give you the SAME amount due. That is assuming you can understand what they are saying because of course their call center is outsourced to  XXXX . They do not know the residual interest amount either!     My problem is there is no way to avoid the residual interest charge. They wont let me overpay the amount online or over the phone.

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 monetary relief
Consumer complaint received 2017-04-24 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: SC

Complaint narrative:
Transunion is not giving me any infromation on how the have validated this account I have disputed and asked for them to furnish me the information, due to me persoanl not being able to contact this company. So I need to know how are they contacting the company if I can not.

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: HI

Complaint narrative:
Diversified Consultant continued to report this as collection to the credit bureau. This account they are trying to collect has been already closed with the original creditor. This collection company is still trying to collect this so called unpaid debt without verification with the original account. Collection agency can not show any verification or validation that the account is valid for collec tion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I recently filed a complaint against,  XXXX   XXXX   XXXX  regarding this same issue. However, the same issue remains with  PNC Merchant Services.      In  XXXX  of  XXXX , I purchase a   XXXX   XXXX   in Florida. As part of the venture, I signed up for merchant services with  PNC Merchant services. As part of the agreement, PNC Merchant Services  would take a percentage of my company 's production that was processed via credit card. Each credit card ( e.g.  XXXX ,  XXXX   XXXX ,  XXXX , etc ) had a different percentage that would be deducted for the amount collected.     In  XXXX   XXXX , my   XXXX   XXXX   went out of business and a settlement agreement was reach with  PNC ba nk to write off the remaining loan balance, as the business was sold at a significant loss. The credit/debit card machine was returned to  XXXX   XXXX  via  USPS  delivery confirmation.  XXXX   XXXX  and  PNC Merchant se rvices were both informed that the dental practice was no longer in business and that all equipment was returned.     The last credit card purchase made at my business was during the first week of  XXXX   XXXX , at which time,  PNC Merchant Services  took their agreed upon percentage. No further transactions were processed at the business, and the credit card terminal was returned. However , PNC Merchant Services  continues to sent me bills for aggregate fees, which I do not owe since I have not used their credit card services since the business closed. Any percentage of   XXXX   is  XXXX . Please help me resolve this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24 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: NM

Complaint narrative:
Trans union failed to conduct a reasonable investigation. I requested to have my dispute in  XXXX    XXXX   properly investigated and needed to have specific information on how they conducted the information and what date and time they contacted each disputed item. I also requested that they provide the person whom they had spoken to so that I may contact them as well. They also took add many disputed items and reinserted them without prior notification as required by law.  Trans  union is in direct violation of the FCRA and must remove all disputed items including all inquiries. The information they are providing to potential creditors is erroneous and they have failed to follow the law as required.

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 2017-04-24 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: FL

Complaint narrative:
I have been contacting TransUnion since  XXXX   XXXX ,   XXXX  . Since  XXXX    XXXX   my  credit score h as been lowering due to closed accounts I never was aware of on my credit reports. My mother added me as an authorized user on accounts without my knowledge, and because our mailing address was the same address. This has hurt my  credit score,  then I was advised to dispute these accounts off my credit report without making me aware that it could effect my score in a negative way even more. Which was the result of the disputes. TransUnion now has lowered my score as if I have no credit history and I called multiple times to understand why my score lowered again, and spoke to  4  different representatives and no one helped my situation.

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 2017-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
Debt is not mine. Continued attempt to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TX

Complaint narrative:
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TX

Complaint narrative:
I have a debt on my credit report that has been paid. But it has not been removed from my credit report. The debt collector  XXXX   XXXX   XXXX  has sent the proper information in to remove the debt but it has not been removed from my credit report. I would like for this debt to come off my credit report. I am going to provide the proper information for this debt to be removed off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-24 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: SC

Complaint narrative:
Navient has an account balance posted with an amount. The amount posted does n't cover the interest. Why post a balance that does n't cover interest?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Prior to this incident, I enjoyed a great credit repoire with  Citi Financial . I had a certain agent that I worked with whom later was in a life threatening motor accident. I considered his as a friend. He recovered and returned and while I was requesting a short loan I mentioned that I needed to upgrade my family home in  XXXX . He suggested a larger loan. I was approved and several months later while I was in the office paying my loan, he informed me that he could give me a new loan, if I needed on my jeep up to {$3000.00}. The next month or so I " took '' him up on this offer. I asked ( as usual ) questions ensuring that this was a different loan for I had done a few title loans in the past and wanted to keep it separate from my installment loan. He assured me and I signed documentation. I did not " catch '' the incident until about 2 months later and I called but he was on permanent medical leave. I inquired of this " mix-up '' and was told that " he '' combined the loan with the earlier installment loan. I requested paperwork and submitted my signed document for title loan but never acknowledgement from  Citi Financial eve n after a year of complaint. I contacted Te xas DMV the sam e day that I discovered the " mix-up '' claiming fraud and was told that I would have to seek legal assistance in that matter. I continued to pay loans until my mental breakdown though I had hired an attorney to look into the matter a few weeks before I became ill. I believe that the gentleman did not " change '' or " combine '' the loan but they were done by the company itself. I am f/u with this complaint because I just received a letter from a collection agency concerning this matter requesting a  one year " pay-off '' of this loan for a lesser amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In  XXXX  in was subjected to fraud. I contacted my creditor ''  XXXX  (  XXXX , transunion and  XXXX  ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the transunion,  XXXX  and  XXXX  to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud. Transunion stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts.   XXXX   and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you

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 2017-04-24 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In  XXXX  in was subjected to fraud. I contacted my creditor  '' s  (  XXXX ,  XXXX  and experian ) to file a indentity theft and to get my accounts taking cared of. They did so in  XXXX   XXXX   XXXX  - {$470.00},   XXXX   XXXX   {$1000.00}  XXXX   XXXX  {$580.00} and  XXXX   XXXX  {$810.00} was deleted off of my credit reports. In  XXXX  these  XXXX  acconuts were updated and added back to my account. I contacted the  XXXX ,  XXXX  and experian to explain to them these are not my accounts they never were. These accounts where made under fraudulent pretenses that I had no knowledge about. I stated these same accounts were deleted in  XXXX  due to myself being subjected to fraud.  XXXX  stated it was disputed before and verified and there is nothing they can do. They told me to file a complaint by the FTC regarding my accounts. Experian and   XXXX    stated they would submit another dispute, that 's was in  XXXX   XXXX  but nothing has been deleted. These accounts are still on my credit report and they do not belong to me. I demand these accounts be removed from all  XXXX  of my credit files so that these fraudulent accounts can stop hendring me from proceeding with my government job.   Thank you

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 2017-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
the collection agency has repeatedly, sent me notifications to pay a debt that is not mines! I have reached out to the collection agency to fix this issue, and to report this as identity theft! I have sent the ''identity theft '' documents twice and the last time they were sent to the collection agency the documents were sent through certified mail. even thought I have disputed the debts numerous times, the collection agency continues to attempt to collect a debt that I do n't owe.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Wife and I own a commercial building in  XXXX   XXXX   CA.. We  have owned the building personally since  XXXX  and it 's recorded in our names and our trust only. Merrill Lynch and there successor Bank  of America  did  XXXX  loans against the property. In both cases the loans were made under false pretense to a company instead of us. The bank knowingly did these loans for there benefit fully knowing in both cases the loans were made securing a false asset never owned by the company. They also failed to disclosed or send final documents for the last loan done in  XXXX  and current. The bank has refused repeated requests to admit and correct this error. On both loans they have done auto payments from our personal checking account and never receive any payments from the company.  Bank of America is  guilty of false documentation and financial fraud.

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