vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 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: IN

Complaint narrative:
6. I have not received and confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from the affidavit attached ) ********

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 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted trans union credit bureau to delete a collection account that has lowered my credit score 40 points from my record on XX/XX/19 ( XXXX  ) I sent them the information which this company has complied too delete from my credit report all other agencys have already removed this item from my reports but trans union has 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 2019-08-16 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: TX

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, XXXX  and Transunion have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from 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 2019-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Called to inform them that I was out of work with no income. I had to apply for government assistance. I am unable to pay my student loan and could I get help. 
They told me we cant help you. I said well I cant pay you. 
Im applying for XXXX there was no resolution. They continue to call and harass me about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NY

Complaint narrative:
I took the loan from Lending Club in XXXX of 2018. In XXXX of 2018 I was contacted saying my bank refused to release the payment. I asked lending club to try again which they did and the payment went through. For the next three months this happened repeatedly. I filed a complaint with the NYS Department of Financial Services. Their investigation proved it was a 205 error on Lending Club. In XXXX Lending Club turned my account over to a collection agency demanding payment in full for the entire loan. When I explained the situation to them they said they would look into it. I never heard back from them. The next month lending club called asking about payment and told me the account had been pulled back from the collection agency but never notified me for a month and put more late payments on my credit report. Finally after over 20 phone calls I was given a senior supervisors phone number from the Department of Financial Services. She told me I had to reenter my account information into the system because it had been purged. I accessed the system but when I tried to reenter my password to give my account information their system said my password was invalid. Afte 2 weeks the supervisor finally returned my call and helped me change my password. When I finally logged in I found my account information was there all along. When I contacted the supervisor back she informed me that my bank account was invalid for their purposes even though for 9 months everything was fine. Lending Club never returns calls, lies, refuses to admit when they have a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NC

Complaint narrative:
Was denied credit for inaccurate information reported by Sagestream LLC. I called many times to freeze my report, view the report and to block any potential false information from being reported. No one answers calls or responds to the many voicemail messages left. Their website says to fax all of my personal information just to request a freeze on my report. I never heard of this company and do not feel safe sending them my information and I can't even reach them by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trans Union File Number XXXX Date Issued XX/XX/XXXX contains information from a third Supplemental Information obtained by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX which should not have been placed in my Trans Union 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 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
Land Home FS is making the understatement that I dont have Hazard Insurance to justify XXXX reasons to the filing of a Frivolous Foreclosure on XX/XX/XXXX. They said : your failure to either ( a ) independently acquire and maintain residential property insurance, or ( b ) make monthly payments necessary to satisfy the cost of lender-placed insurance added to your account upon your failure to demonstrate evidence of property insurance acquired by you There are not pending insurance issues in this case : o XXXX XXXX XXXX cancelled its lender placed insurance claim on XX/XX/XXXX effective XX/XX/XXXX and it was prior to the filing of the wrong foreclosure on XX/XX/XXXX. ( Exhibit 1 ) o Also XXXX XXXX made a refund of charge for wrong placed hazard insurance fees ( Exhibit 2 ) Land Home FS sent me a letter on XXXX this year ( Exhibit 3 ) saying my hazard insurance had expired therefore they know I have that coverage from my XXXX XXXX XXXX XXXX ; Proof of insurance of XXXX was sent to Land Home through Legal Aid Society. ( Exhibit 4 ) Please find here enclosed proof of insurance on my property from XXXX to XXXX ( Exhibit 5 ) Land Home FS continues in an unlawful request of payments ; in their mentioned answer they said : we have not received the payment ( s ) due beginning with XX/XX/XXXX on your mortgage loan. Please send the amount shown below which includes any additional fees and charges dueTotal amount due {$15000.00} But payments have been timely made according to the Permanent Modification Agreement from XXXX this year, and all payments have been returned ( Exhibit 6 ) Because there are not pending insurance issues and Land Home FS said the Permanent Modification Agreement is not in dispute they must accept the check I sent to them on XX/XX/XXXX for {$4200.00} that includes all pending payments. 

If they dont agree with the allegations of this complaint they must explain it clear and simple without making reference to any previous letter and send proof of any statement that can differ from those exposed in this letter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
XXXX XXXX XXXX on XX/XX/18 has an inquiries that I did not request or apply for a car loan threw them on XX/XX/18. I have also filed a complaint with the US Attorney office in regards to the matter of an fraud credit inquiries and proof from XXXX XXXX XXXX to show documents and my signature for a such loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
I had a XXXX on XX/XX/XXXX and was Out of work for 6 to 7 months. I contacted the bank and asked for help and I spoke with XXXX XXXX whom said she was the client foreclosure prevention representative who would help me with resolving the matter. I was encouraged to apply for a modification. I applied for a modification and got approved for a forbearance for the months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I didn't have the full amount due which was for 7 months. I spoke with the preservation client representative and advised that I didnt have the full amount due for the entire 7 months but only a portion of the amount {$5400.00}. She advised me not to send in the money, that I had to fill out a new application form for the modification and she was going to mail it to me and she would review it and respond back in 30 days. She sent the application, I filled it out and sent it back then I received a notice from the bank saying the modification was unapproved and I only had the option to do a short sale and I had to reply by XX/XX/XXXX to accept the offer to do the short sale. I looked for an attorney that practices in foreclosure prevention and located the XXXX XXXX XXXX and asked for 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 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I been trying to get in contact with XXXX XXXX, I want to inform about an error that I noticed on my XXXX credit report for {$950.00}, this company claims to didnt receive equipment which I personally dropped off in one of their stores in XXXX NY. 

I also have my receipts of the returned equipments back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: LA

Complaint narrative:
I closed on my property at XXXX XXXX XXXX XXXX, la XXXX on XX/XX/2019. money was collected at closing ( {$4700.00} ) for holdback for repairs and sent from the title company to the lender ( homebridge ) as instructed by the lender. I have been contacting home homebridge since XX/XX/2019 in regards to that amount of money to have repairs taken care of. I have not only gotten the run around and multiple numbers to contact but no one has yet to contact me or the closing company back. The corporate office number I was instructed to call no longer gives you a option to select a extension it does nothing nor does a operator pick up the line.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: FL

Complaint narrative:
Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on Transunion is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and Transunion  there is nothing negative in the payment history reporting, in XXXX why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: FL

Complaint narrative:
Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX XXXX XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In XXXX and XXXX there is nothing negative in the payment history reporting, in Experian why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF THE WEST
State: WI

Complaint narrative:
XX/XX/2019 : Received a preapproved credit card offer in the mail. Upon going online to accept the card, I was asked to enter some 'identifying ' information. Upon submission, I was told I'd hear back in 7-10 days for the status of my submission. I called customer service at the toll free number, they told me they only do a soft CB pull and then do a hard pull after to see if I'm approved! IT IS MY UNDERSTANDING YOU CAN NOT SEND A PRE-APPROVAL AND THEN WORK THE CUSTOMER AS AN APPLICATION SUBJECT TO APPROVAL! BAIT AND SWITCH.

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 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My home loan was transferred to a company called loancare Im currently trying to payoff the balance owed with insurance checks totaling more than I owe. They keep stalling the process with either filing issues or even losing my check its not a hard task to deposit checks and process payment. I as well as many others I have spoken with agree that they are intentionally doing this to gain the extra interest. If I didnt pay it off myself and just sold it, the process wouldnt take as long. I currently am also due back over $ 14k for over payment. Customer service is highly rude. 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 2019-08-16 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: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This account has also been closed. When we closed on our home, XXXX XXXX was transferred to XXXX. These lates that are being reported are in error. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello On XX/XX/19 I received a form letter notifying me that Capital One credit card was changing due dates to the 1st of every month effective XX/XX/XXXX. And that if I wanted to change it ( back to the XXXX ), I'd have to arrange that but it would take 1-2 billing cycles XXXX XXXX XXXX for that to take effect. 

On XX/XX/19, when I had an hour to set aside, I phoned Capital One and spoke with a customer service person XXXX, then Sr Acct Supervisor XXXX ID No. XXXX, who told me that it was a 'wash ' because they had skipped XXXX payments. XXXX did arrange for my payment due date to be the XXXX of the months but could not guarantee what date it would take effect, and said I'd incur late fees and service charges if I didn't pay it in full. This is a credit card I pay in full every month. The shell game here is that Capitol one gets a potential of 10-40 days of payment earlier than they otherwise would, without having given consumers the 45 days notice they are required to by law. 

On XX/XX/19 I wrote a letter to their CEO and reiterated that I'd like this to revert to the 21st effective immediately. I also sent him/Capital One an invoice to compensate me for an hour of my time. 

I'd appreciate you looking into this for me. It's unfair to consumers, and some of it is against the law. Most people don't have time to deal with this, and the credit card companies get away with it. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have spine. To Navient numerous times, I had a fixed interest loan, and somehow they keep increasing the interest rate. Additionally, they keep increasing my loan balance. The loan balance is almost twice what it was, and I have been paying back this loan for over 10 years. 

Can you please help to shut this company down?

Company response to consumer: Closed with explanation