vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-17 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: PA

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX   XXXX . Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to mak e my credit score go  down.

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 2017-05-17 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: PA

Complaint narrative:
XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX  Americans. Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to make my  credit score go d own.

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 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Bureau of the South, Inc
State: LA

Complaint narrative:
I recently checked my credit report after not checking it for years and I noticed som e medical collections  that are inaccurate. Not only did I not receive any notices in the mail from the hospital or the collection agency, I believe these medical debts are a mistake. I made nor signed any contract with  XXXX   XXXX   XXXX . I kindly ask that these collections be removed from my credit report because they cant be mine. They are as follows ;  XXXX  Certified Bureau Of The So Col Original Credit or-    XXXX   XXXX   XXXX   XXXX   XXXX   Opened Date-   XXXX   XXXX ,  2013    Balance- {$230.00}  XXXX - CB  South Original  Creditor-  XXXX   XXXX   XXXX   XXXX  Opened Date-  XXXX   XXXX   ,   2013 Ba lance- {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: FL

Complaint narrative:
I have written the company on three different occasions asking them to correct this error.  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . This is company is trying to collect money from me that I do not owe. They have reported  XXXX  different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company and will be seeking a minimum of {$1000.00} in damages per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
A COMPANY WAS ALLOWED TO WITH DRAW MONEY FORM MY ACCOUNT, WITHOUT MY PERMISSION.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center
State: GA

Complaint narrative:
This compliant is being sent to Nations Recovery Center in response to a listing on my credit report.Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company, and a bill is not  a contract for an alleged debt.     At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or  XXXX   ) th is action might constitute fraud under both Federal and State Laws.     Which are is Violation of the following : The Fair Credit Reporting Act The Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this compliant, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.

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 2017-05-17 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: MD

Complaint narrative:
I previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

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 2017-05-17 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: MD

Complaint narrative:
I previously sent a request to validate a debt that I learned about after getting my credit report. I sent the  XXXX  a letter and they failed to provide me with any documentation. After checking my credit report again I noticed that account had been updated to say account meets FCRA requirements. I then sent a letter to the Credit Bureaus asking them to provide me with the documentation or information they used to validate this information however, they failed to provide me any documentation as well. Instead they provided me an updated credit report that said investigated and verified.

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 2017-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hello, I se nt four  payments for {$1000.00} each to Navient for repayment of student loans. They cashed all four checks between  XXXX  and  XXXX . They have all been cleared from my account. However, they only applied  2 payments to my account. I have called approximately 30 tim es attempting to have my money either applied or returned. After approx.  15 phone calls they refunded my one ch eck ( after about 3 month s ) an d have not returned the other check. I have called multiple times and they always say its " being processed '' well it has been several more months and no check. I have spent at  least 45 min utes - one hour every time I have had to call. I uploaded all of my bank statements onto their website proving they cashed all  4  checks. They always insist the check is on the way etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage LLC is attempting to sell my home in a foreclosure trustee sale on    XXXX   XXXX  2017     and steal my home when neither they or the foreclosure trustee have any standing to do so. i : repeatedly offered to pay them in full if they can simply validate the amount of the alleged debt as FDCPA rquires them to do. They do not, since they have fabricated papers to make it look like i : owe some alleged debt to them.   In either case :  This is a 28 U.S. Code 1343, now that CFPB, President Trump, US Supreme Court, US Marshalls Director  XXXX , Government Accountability Office Director   XXXX   XXXX  , Sheriff   XXXX     XXXX  are notified of the crimes against me and are required to act.      YOU ARE SERVED, AND ARE NOW LIABLE TO ME.     Today,  XXXX   XXXX ,  2017 i : ha ve sent to  President Trump [ Delivery via U.S.P.S. Fir st Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to U S Supreme Cou rt [ Deli very via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ], US   Marshalls Director   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Government  Accountability Office Director   XXXX   XXXX   XXXX   [  Delivery via U.S.P.S. First Class Certified Mail Article Number :  XXXX   XXXX   XXXX   XXXX   XXXX   ] , to  Sheriff  XXXX   XXXX   [ D elivery via U.S.P.S. First Class Certified Mail  Article Number :   XXXX   XXXX   XXXX   XXXX   XXXX  ], the following instruments among others  : 1.  Warrant for arrests,  XXXX  of such warrant for arrests and indictment of the President of foreclosure trustee  XXXX   XXXX   XXXX  and the President of Nationstar Mortgage LLC  XXXX   XXXX  are first and second attachments.    2.  DEFAULTED BILL TO NATIONSTAR MORTGAG E LLC [ and its Co Parties Agent ( s ) Principle ( s  ) ] for {>= $1,000,000} is the third attachment.    3. I ndorsed copies filed in court of ad subjiciendum which is an extraordinary remedy, attacking the legality as Unconstitutional is the fourth attachment.    4.  Indorsed copies filed in court of my firing of civil servants, judges, attorneys are  the fifth attachme nt.     i : do expect my remedy as an American who has been wronged by a group of criminals dressed as attorneys, debt collectors among others. Feel free to call or email me with any questions that you may have.     All rights reserved waive none i : a man,  XXXX  :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: LA

Complaint narrative:
I recently checked my credit report after not checking it for years and i noticed a collection for a phone bill that I know I didnt have. I contacted  XXXX  and I was unable to get any information from them. The collection is as follows ;  XXXX  ERC  Original Creditor-   XXXX  Date Opened-  XXXX   XXXX ,  2014 Bala nce- {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 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: MD

Complaint narrative:
I previously obtained a copy of my credit report and it showed that  XXXX  was a closed account with no balance as the car was sold there was a remaining balance of {$690.00} however  XXXX  sent the account to collection over a year ago. After my husband I divorced this account was keeping him from purchasing a home so he settled the account with the debt collection company and the balance reflected {$0.00}. However after a recent check of my credit the report showed a balance of {$1300.00} I immediately called the credit bureau informed them of the situation and they told me to contact  XXXX . I contacted  XXXX  and because it was sold to a debt collector I was told they no longer handle it. I contacted the bureaus again still no avail they just sent me an updated copy saying the account was verified and updated. I asked them to provide me with the documenation they used to validate this account and they refused, they then sent me another credit report that says my request was not specific enough.

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 2017-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
SYNCHRONY BANK/WALMART Card, rece ived an Internet application using my name, address and phone number on  X/XX/2017   . According to my phone log, they also called my house on   X/XX/2017     around  XXXX   XXXX . I did not answer the phone as I could not recognize the name SYNCHRONY. Despite that, they went ahead and created a credit card account on  X/XX/2017   . I do n't know if the thief provided my SSN. I ca n't see how he/she would get that. The information they provided looks a lot like what I have in my check book. Is this bank serious??? The Government should be investigating how SYNCHRONY conducts its business.

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 2017-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On  XXXX   XXXX , I received an email from Navient stating that I had until  XXXX   XXXX  to contact them about setting up a payment arrangement. I emailed them right back and explained that I did not have access to a phone and would need to handle via email. They explained to me that I could not and needed to call. When I called Navient and explained my personal and financial situation,  XXXX  said that I could apply for an Income Based Repayment program but that there was no rush to submit my paperwork. When I called back the first week in  XXXX , suddenly my account was charged off despite  XXXX  explaining that there was no rush to submit paperwork and payments. I have been working with  XXXX   XXXX  to see if there was a resolution to removing the charge off status of my loan when she informs me that a loan of mine has already been charged off and was done so in   XXXX  . I never received any documentation about this, despite being in constant contact with Navient, including submitting forbearance and payment arrangement claims. I asked her who the collection company was and she said it was the same company for the new loan -- all new information to me.   She stated that her records indicate that the charge off is valid and that she has no record of my conversation with "  XXXX   XXXX  ''. I explained to her if I had been made aware that the information I received was time sensitive, I would have submitted the necessary paperwork but between  XXXX  and  XXXX , no one told me that my time was limited. Both of those ACTUAL representatives ( not an automated system ) told me that there was no rush to submit my application and paperwork, since I was in a particularly dangerous and volatile situation.   Now, speaking with  XXXX , apparently the burden is mine to prove that these conversations existed, regardless of their vast telephone monitoring software. And I must dig up my records to show that I actually spoke with  XXXX  and  XXXX . This does not even consider my apparent charged off loan that I never knew about and never received any communication with them in reference to. When I log into my Navient Account, but accounts still show as valid, current, and accepting payments.   This inaccurate reporting of loan information is dangerous. I now have practically insurmountable debt standing between myself and purchasing a home -- all because their separate departments do n't communicate with each other or with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fidelity National Financial, Inc
State: OR

Complaint narrative:
XXXX   XXXX     XXXX   XXXX    ak  a fnf servicing inc  misapplied a large payment in  XXXX  I sent {$15000.00} which was by cashiers check I clearly denoted that  XXXX  of the total amount was to be applied to a balloon due  X/X/2017  I also included a letter with the same instructions the bal was to normal principal of the loan per my instruction my loan number is  XXXX  this company did not apply payments to the loan correctly as I recd a bill for the balloon installment dated  X/X/2017  also fnf servicing refuses to provide payoff information without a written request to the borrower causing significant delay and interest to be charged this is not acceptable when anyone is trying to payoff a loan and has borrowered money elsewhere to do so no one needs to pay interest to  XXXX  lenders

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After thoroughly reviewing copies of my credit report, there are multiple inquiries that I no for a fact i did not authorize. The credit bureaus are being very un cooperative when it comes to my concerns about this apparent fraudulent activity on my credit report. I tried contacting the creditors and I was told I Have to contact the credit bureaus because they can not remove inquiries. No one is helping me with this issue and it seems that the credit bureaus just dont care. the inquiries are as follows ; Transunion  XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    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 2017-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Recently I contacted Bank of America in an effort to refinance my house and get out of the ridiculous rate of interest that I was currently paying on my first mortgage and my home equity line of credi t. (  8.625 % ) 4 years ago, I got divorced and went from a  XXXX  family income to a single person income, and I fell behind in my mortgage and home equity line of credit payments, but eventually caught up and have made both payments regularly fo r four y ears now. Due to the fact that four years ago Bank of America issued me a foreclosure letter on my current property, but nothing since then, I was refused a " Cash Out '' refinance option that would allow me to roll the first and second mortgage into  XXXX  and reduce my interest amounts considerably. When I asked my agent to provide me with the reasoning behind why I did n't qualify for the " Cash Out '' option instead of just qualifying for refinancing the first mortgage, he stated that because I had received that foreclosure letter four years ago, that according to Bank of America 's guidelines, I did n't qualify for combining the first and second mortgage. I asked the agent that I was working with to provide me with a written explanation of why I did n't qualify for the combined mortgage option, and he told me, " Bank of America 's legal team advised him against sending me anything in writing to why I was n't being considered for the " Cash Out option. '' He also stated to me, " since I was being considered for the refinance of just the first mortgage, that Bank of America does n't send out explanations unless the loan for which you are currently being considered is n't approved. ''

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