vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! <P/>Their retort- When an account closes, ISPC has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed ISPC must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer. <P/>1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column. 2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20 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:
XXXX XXXX was removed and re inserted on my credit report without properly notifying me within 5days and according to the FCRA this is illegal.

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 2017-06-20 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: MD

Complaint narrative:
In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both Experian and XXXX. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.

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 2017-06-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, Specialized Loan Servicing LLC confirmed that the balance on my HELOC was {$0.00}. On XXXX XXXX, XXXX when my Title Insurance Company requested a written estoppel letter, Specialized Loan Servicing, LLC realizing that I was selling the home, now falsely represented that a balance of {$77000.00} was due and that unless I placed that into Escrow, I would be penalized by not closing the sale of the home. I have send numerous letters, third party authorizations, and they keep orchestrating the fraud because they know that at the end of the month, the Escrow may be released.

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 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I 've been requesting a mortgage modification with the mortgage company Select Port Folio for several years. I finally received a modification/ assumption I made the first payment XXXX XXXX, 2017. I recently received correspondence from SPS stating they had not received my signed modification documents of which was sent back to them XXXX next day delivery.ThXXXX invoice for associations dues was forwarded to SPS and requested to be paid current as a part of the assumption/ modification. I have been given the run around with this mortgage company. I would appreciate your immediate attention in this urgent matter. Correspondence was also recently received stating they were referring my home to foreclosure as a result of the delinquency. They also stated they would not be applying funds received in the amount of {$2100.00} to the account. I would appreciate your immediate attention in this urgent matter. We also spoke with several SPS relationship managers I was informed I had to take Hud Credit Counseling. I 've owned several homes mortgages were always current. My ex-husband was responsible for the mortgage and he never paid it. See Attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Speedy Cash on XX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. Calls on XX/XX/XXXX @ XXXX XX/XX/XXXX on this day I spoke with a representative and informed them that a cease and desist letter was sent to stop harassment. The representative was told that the call would be documented and reported. XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Emails to date on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. They have used  random numbers to call me. These numbers have been from different area codes nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Chase applied my payment to the wrong account. the problem is they have not taken the 30 day late off of my credit reports yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 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: M&T BANK CORPORATION
State: NC

Complaint narrative:
This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( M & T Bank loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to XXXX three times. On the third time, they sent the complaint to M & T Bank. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from XXXX  and a letter from M & T bank proving that I paid the loan off in XXXX XXXX. The loan originated in XXXX XXXX, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with M & T Bank. The person I spoke to told me the loan was not  properly closed when I made the XXXX payment. This error has to be corrected. 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 non-monetary relief
Consumer complaint received 2017-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient has systematically violated numerous rights and protections afforded to me by law. The following is a list of violations that have gone unchecked and committed with the knowledge and intent to qualify as a crime under most statutes. 15 U.S.C. Subchapter I 6801 ( a ) - The extent of the number of times this law has been violated by Navient ( XXXX XXXX ) encompasses years. The fact that the discussion is not of a singular violation but an egregious disregard for this law over the span of years is unconscionable. 15 U.S.C. 1692c ( b ) By making contact with a party or parties not authorized to have access to my account through letter, phone call, or otherwise 15 U.S.C. 1692d Sending notices addressed to a deceased family member, to my personal address, after being notified of their death 15 U.S.C. 1692f ( 8 ) -  By sending envelopes that specifically state, Important information about your student loan '' which notifies people that a debt is being collected. 15 U.S.C. 1692k ( a ) ( 1 ) - Actual damages sustained are greater than the balance of the loan. Through higher interest rates, inabilities to get credit, or emotional distress causing me to miss work. 15 U.S.C. 1692k ( c ) - Liability can easily be established through the records of years of letters sent to an unauthorized individual based on ( 1. ) a denied loan application, or ( 2. ) an unauthorized phone call held between a representative of Navient ( XXXX XXXX ) and the individual not associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX The account was paid in full via the XXXX XXXX XXXX arrangement for a payoff date directly with them they agreed to. How can anyone continue a security hold on a paid item- duh? That hold needed to come off once the account was paid. Never was I advised I was closing the account. At minimum the account should be moved to good standing paid. This is beyond comprehension that it should remain in the negative side of the report causing me untold financial harm! Their retort- When an account closes, XXXX has an obligation to report that accurately, using the format set by the credit reporting agencies. To report an account as closed XXXX must either indicate the account as closed by consumer or by credit grantor. Since it was not our decision to close your account, but rather you through your mortgage lender, we reported the account as having been Closed by consumer.
1 this was a requirement of the Title Company when a home closes. It was not my request to close the account as they stated it was THEIRS- and that should reflect on the account pas paid in the positive column.
2- I was advised by them verbally the account would remain open. So much for Oral agreements! ' The key word accurately! I never closed the account- it was by nature of another lender and they never asked the account be closed just the security hold removed from public records. [ as closed by consumer or by credit grantor. ] If this is the companies policy then let them report accurately as they openly state they are required to do. How can they post this in the negative when they were involved in the account payoff?

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 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America added a {$5000.00} charge into mortgage balance. On XXXX XXXX, Bank of America employees came and cut down the hedges in front of my home. I never asked Bank of America to come out and cut my hedges which decrease the value of my home. The employees were supposed to look at my property as it going through a modification to avoid foreclosure. The statement is from Bank of America yet when I call them, they tell me '' We use vendors including XXXX XXXX and XXXX, XXXX '' I called both XXXX XXXX and XXXX XXXX and they told me that Bank of America is responsible for my loan. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid for XXXX in a payment in full of balance and somehow I 'm still charged $ 80+ in  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 2017-06-20 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: MD

Complaint narrative:
In the end of XXXX I sent in a request for several accounts to be corrected. These accounts to this day are not being reported correctly and actually at this point should be deleted due to how it is being reported on my credit file. I have disputed how the information is listed on my credit file with both XXXX and TransUnion. Both of these CRA have not corrected the issue and yet allowed one of the companies to continue to update a closed account. XXXX XXXX and XXXX XXXX has been disputed greater than 30 days ago and by law, they are not marked as 'disputed by consumer ' which is in violation of CRA reporting. As you see listed in the attached documents, all the other disputed items are remarked as 'disputed by consumer '.

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 2017-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX-exhausted my going back to school defermentXX/XX/XXXX-ca n't lower payments because they take my cosigners income in consideration to my income. Wo n't try anything because his income needs to be added into financial hardship. Which wo n't help because two incomes wo n't show that I 'm i ca n't pay that much. We do n't speak anymore and his income is not my income it 's supporting his family and their expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
This is an update to my complaint previously submitted. Seterus refuses to send me monthly mortgage statements. It is the law that the servicer must send me monthly mortgage statements. They refuse. Attached is a letter stating they are sending me payment coupons. Sorry, this is not in compliance with the law. I do not care what their policy is, send me the monthly statement! I have a right to know how my money is being applied to the loan and whether it is being done correctly. I have a right to see the impound account and what is being paid out on this loan, along with itemization on the loan balance I do not want a coupon book where the service company is not showing what is going on with this loan. Comply with the law!!! Send me the monthly statements, not a coupon book.

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 2017-06-20 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
On XX/XX/XXXX, I noticed two charges on my XXXX XXXX XXXX XXXX ( XXXX XXXX ) in California that I did not make : The charges included : -A charge on XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX CA -A charge onXX/XX/XXXX : XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX CA I called ( XXXX ) on XX/XX/XXXX at XXXX to report fraudulent charges on the card. The person who responded cancelled the card and said a replacement would be sent. They also said an investigation would begin into the fraudulent charges. I explained that I did not travel to California and no one else had access to the card which I still had in my possession. I called ( XXXX ) again onXX/XX/XXXX to report an additional fraudulent charge on the card to inquire why the charges from the previous called had not yet been removed. The new fraudulent charge was : Date : XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX CA Amount : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA The individual who answered the phone noted that they were investigating the charges on my card.

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 2017-06-20 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: NC

Complaint narrative:
This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to Equifax three times. On the third time, they sent the complaint to XXXX XXXX XXXX XXXX. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from Equifax and a letter from XXXX XXXX XXXX XXXX proving that I paid the loan off in XXXX 2011. The loan originated in XXXX 2011, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with XXXX XXXX XXXX XXXX. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
Thank you for your ear, In XX/XX/XXXX My family and I relocated from XXXX to XXXX, I contacted my cable provider and requested a final bill which was provided, I paid the bill immediately, ( copy attached ) A couple of months later a bill came for equipment XXXX XXXX claimed I had. I never received any equipment from XXXX as all I had provided to me was basic cable, I never accept leased equipment, and immediately after receiving the bill I sent a letter registered letting them know this was not a valid bill, in addition I requested proof I took possession of any equipment, ( copies attached ) This was XX/XX/XXXX. Not until yesterday XX/XX/XXXX did I hear back from them claiming I owe them for equipment, almost two years from my letter.

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