vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2019-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are many multiple incorrect addresses and name spellings on my credit report. 

Below is the only accurate information XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX There are multiple miss spelled names that should be deleted off of my credit report, as well as multiple addresses which I never lived. 

The only previous address I should have on my credit report is XXXX XXXX XXXX XXXX, NY XXXX Please delete the following addresses XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: C2 Financial Corporation
State: MA

Complaint narrative:
I applied for a new mortgage with C2 Financial Corporation. C2 brokered my loan application to XXXX XXXX XXXX XXXX. C2 continuously sent me incorrect closing disclosures and wanted me to sign them, but I refused until I saw a disclosure that was correct. The biggest issue was with the underwriting process. One of my employees forwarded me an email that she had received from XXXX XXXX XXXX to verify my employment on XX/XX/19. I was shocked that she would have receive such an email as she works in my marketing department. When I told her to delete it and not respond, she received another one the next day ( XX/XX/19 ). When I realized what it was, I asked for the correct person in payroll to complete. In the meantime, I let my broker and his processor know of the error and gave them the correct person to contact for payroll verification. They never reached out to me to ask who was the correct person to contact to verify payroll. When I forwarded the email to my broker and asked why a person in marketing would be asked to verify my payroll, he responded with " Im not sure but will look into and find out for you ''. He also copied the processor on his response. As I questioned as to how and why they got the individuals name in marketing and to change to the correct person, I received this response, " Ive had them update the information in the system. Ill see what I can find out about how they picked xxxx. Even on your website, xxxx is listed as a marketing person ''. In addition, I had him call my office and speak to the office manager to see who she would direct him to, it was the payroll department. I had assumed that the woman in marketing was removed and the correct person was added. Once my personal information and 3 years of salary information was verified, XXXX sent all that information back to the woman in marketing. This was after I had verification from C2 and the underwriter that they changed the contact. I received this communication from my broker on XX/XX/19, no response since. " FYI, I have been in communication with XXXX  and I expect that we will be hearing back from them tomorrow regarding the verification of employment situation. This has now been elevated to a director status there ''. This breach of personal and financial information caused a tremendous of unnecessary stress for me and my company as now my personal and financial information was in someones hands that should not have had it.

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
So I wanted to make my mortgage payment online with XXXX   XXXX XXXX - I could not. The option was no longer available. Upon calling they told me my servicer has changed to Specialized Loan Servicing LLC. Never heard from them before. Never got the monthly bill. Never got a welcome letter from them. I could not open an online account, because it would not accept my social security number or loan number - the field went blank as soon as I hit submit. Their website does not seem to be functioning properly ( sls.net ). On the login site it tells you, you can call them for {$12.00} and that you can pay online, but a fee might apply. I called them and they graciously allowed me to pay on the phone - but only this one time. I am now supposed to jump through hoops to make my monthly mortgage payments?

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 2019-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX My account for XXXX was hacked and a fraudulent charge was made for {$720.00} using debit card information saved on the app ( which is password protected ). I called Chase bank about an hour after the charge to let them know a fraudulent charge was made. They then credited my account the amount missing. After they made a chargeback claim with XXXX  XXXX disputed it ( even though I also XXXX that my account was hacked and a fraudulent charge was made on XX/XX/XXXX via e-mail ) and won. Once Chase was notified that XXXX found the dispute in favor XXXX and on XX/XX/XXXX they took the credited money out of my account without notifying me in anyway. I found out because when I went to a gas station to make a purchase my debit card was declined. I then called Chase bank back on XX/XX/XXXX and was told by their claim department that if I sent more info showing that my XXXX account was eg : emails to customer support, that they could further fight the dispute. After faxing over requested information I heard nothing back, and the person at Chase assigned to my claim said that there was nothing else they can do after sending them more information proving my account on XXXX was hacked and the {$720.00} purchase was fraudulent. I then let them know they released funds without my written consent and took back a credit to my account without written notice. Chase bank suggested I contact the CFPB if I feel I was wronged. Attached are portions of my bank statements screenshotted to show the relevant days money was taken from or credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Amerisave charge me a deposit of {$500.00} as an initial the loan. The loan request were declined after 4 months. When I did request to return back the {$500.00} they dont do that. I did ask in the beginning if I cancel the loan request you return back the XXXX the loan officer told me yes.

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 2019-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: LA

Complaint narrative:
I lost me card on and wallet XX/XX/19 on I reported the card missing onXXXX. someone had used my card at the atm and store in the amounts of {$160.00}, {$100.00}, and {$8.00}. I last used my card at the gas station which I told to the customer card company. I noticed a guy hanging around me when I used the atm and at the store. I keep my pin in my wallet due to a bad memory from a car accident. The bank denied my claim now I am having to move due to not being able to pay my rent.

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 2019-10-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I informed Experian that XXXX had sued on a debt that a bank stated that I owed. However, I disputed the amount the bank alleged I owed due to their erroneous calculation of interest. XXXX sued me in civil court and after my attorney responded, they have not proceeded as of this date. So the amount owed is contested and is not proven to be owed, and the proof XXXX submitted does not prove anything, nor has teh matter been decided by the court that XXXX decided to litigate in. Accordingly, they should not be able to claim that I owe a debt when they can not prove and have not proved in a court of law that the debt is owed. This credit reporting is a scam and any kind of verification they did is a scam as well, since I specifically told them that the matter was being litigated.

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 2019-10-15 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: Capital Accounts, LLC
State: NY

Complaint narrative:
Dear Sir/Madam : I disputed the incorrect account which was reported to all 3 bureaus. It was a {$58.00} amount for XXXX Services which was paid to the doctor and it was sent to collections. I called Capital Accounts , LLC and cleared the matter with them and they told me that the account would be EXPUNGED from all 3 CREDIT REPORTING AGENCIES. Please see the email which I received from them on XX/XX/2019. Please investigate and remove the following negative information from my credit reports. Please see the correspondence which I received in the form of an email from Capital Accounts , LLC. 

Account # : XXXX From : Capital Accounts , LLC Client : XXXX XXXX XXXX This letter is to confirm that your balance has been paid in full. This account has been requested to be expunged from the three national credit bureaus as well. 



XXXX XXXX XXXX File # : XXXX Balance : {$0.00} Sincerely, Capital Accounts , LLC

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
The mortgage processor from Navy Federal Credit Union assigned after online application and upload of requested information withdrew our loan application and hung up the phone during a phone call on XX/XX/2019. The loan officer was unavailable and did not communicate for 5 days. The process was broken with confusing document requests electronic and otherwise. Refused to accept digital signatures for 4586-T forms requiring printing and mailing. Was unprofessional. Damaged our credit by pulling a hard credit pull.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I wrote all three ( 3 ) credit bureaus to dispute the amount owed to XXXX XXXX XXXX XXXX, stated I had insurance at the time so the insurance company should have been charged. I also stated I had filed chapter XXXX and the debt may have been written off as a result of that particular filing. 

In XXXX XXXX I received communications from another collection agency upon which I followed up via letter advising I had insurance and provided the insurance information for them to contact my insurance company to address the issue. 

In XX/XX/XXXX I received communication from another collection agency, I contacted them and advised I had insurance and the matter should be addressed accordingly with my insurance company. I contacted XXXX XXXX and provided the information to Commonwealth Financial Systems on XX/XX/XXXX. I followed up numerous times to continuously be delayed. I then followed up the first week in XXXX again to be advised that they researched the matter and I was liable for the debt. On XX/XX/XXXX, I contacted XXXX XXXX whom advised although I had been constantly communicating and disputing this debt with XXXX XXXX and the various collection agencies they hired the actual claim was not submitted until XX/XX/XXXX and based on their lack of submitting the claim within a timely manner I the consumer/insured is not liable for the debt. 

This is completely opposite of what Commonwealth Financial Systems stated, they advised they researched it with my insurance company who advised since it was so old I was responsible for the debt. I have a copy of all the letters and communications sent to all the collection agencies hired on behalf of XXXX XXXX to collect this debt. 

This has been very stressful and in instances caused increase in rates for financing or complete denial based on the debt being on my credit report since XXXX and not being removed. I have been dealing with this issue for almost three ( 3 ) years and there is no end in sight to reprieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card has been contacted via the three credit reporting agencies for the last two years and also via the FTC/CFPB with no resolution to the incorrect reporting with the latest correspondence in XXXX XXXX this year. Discover Card double down on the damage it has done to my credit score, ability to get credit both personal and business not to mention the intense anxiety and angst this situation has caused me with continuing to violate FCRA laws. I am writing to Update the latest erroneously, deceptive, misleading current reporting that Discover Card is submitting to the three credit bureaus XXXX, XXXX, and XXXX. Discover Card issued a 1099C Cancelation/Forgiveness of debt to the IRS as well to me. Discover Card is still reporting to the credit bureaus that this debt is open, overdue, past due, etc after it has already triggered an IRS event which forced me to report this forgiven amount of {$14000.00} as income. However, Discover Card is still incorrectly reporting this amount as current open debt that is past due as of XX/XX/XXXX and that's impossible since this amount was reported as a forgiven debt income to me on my XXXX Tax Return. This is a GROSS Negligence to continue to report this information as if it's active  collections, currently past due completely ignoring the action that Discover Card took on the account. This has cause grave harm to me and my family to continue to deceive readers of the credit file and to totally disregard Federal Credit reporting laws. DiscoverCard 's own documentation states that collection has been discontinued and the economic detriment it has caused by the IRS reporting as it actual income was passed to me when it was not. So this situation causes additional harm via additional tax owed, inquiries on top of the negative reporting of this account as if it is a current open debt owed to Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sarma
State: OH

Complaint narrative:
They have called me numerous times, the most recent being XX/XX/19, at XXXX XXXX. I have already explained to them I am NOT the person they are attempting to collect from, and they refuse to remove my phone number from their system. I have gone so far as to call them twice, and explain that they are obviously incorrect ... I know this, because I have NO DEBT. They also claim to be a law firm, which is 100 % false. They are actually Sarma Debt Collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This company has hit my credit report trying to get an amount that was paid by myself through wage garnishment. This company has threatened me to take me to court and again garnish my wages. This daily harassment has caused an increase in my anxiety at which I am now taking medications to help me to manage the symptoms of anxiety. This has also hurt my credit by 21 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I resubmitted my request for mortgage assistance 37 days prior to the foreclosure date set for XX/XX/2019. I've tried to get help with my mortgage several times since I was XXXX XXXX. I don't want to lose my home to foreclosure. My documents were sent to the servicer in plenty of time to be reviewed. I was told today they would not be reviewed because they did not receive them in time. Select Port Folio allowed my documents not to be processed so they could foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not mines XXXX bu way of USPS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit :

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 2019-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
DITECH CHEATS CUSTOMER OUT OF HIS PMI REFUND! 

Ditech Financial LLC received a refund ( {$95.00} excess PMI payment, from the XXXX ) on or about XX/XX/XXXX, after a closing on a sale. Ditech then sat on this money. It finally mailed a company check for the aforementioned amount ( my refund ) to me approximately one year later!

I received the check on XXXX XXXX, XXXX, and deposited it immediately. It was rejected and returned to me, with the reason : CLOSED ACCOUNT In other words, Ditech wrote me a 'hot ' check! 

A letter to Ditechs office of record, ( in XXXX XXXX, MN ) regarding this matter was never responded to. Several calls to their listed contact number ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all XXXX ) have resulted in negative action to make good on this check. Ditechs Director of the Escalation Check Reissue Department, XXXX XXXX, in Ditechs XXXX, FL office, has consistently and deliberately blocked every refund request ( s ) turned in by lower-rung customer service individuals attempting to have the funds reissued and the matter closed.

Given Ditechs history of Chapter XXXX filings, I can see why certain individuals in positions of responsibility choose to cheat every customer at any opportunity. Even though companies like Ditech cant change their stripes, they should certainly be held legally accountable for the deliberate cheating of their past and present customers, with a stern Caveat Emptor warning to future ones.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief