vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I have concerns about my mortgage payments and why so little, over the course of nearly 15 years, has been applied to the principal. My mortgage has changed mortgage companies several times and is currently held by Select Portfolio Servicing. Im curious to see if records have been kept accurately and my payments applied to my advantage. 

I purchased my home around XX/XX/XXXX for {$140000.00}. In XX/XX/XXXX, records show I refinanced for {$180000.00} -- I do not remember doing this. Now, 14 years later I owe {$150000.00}. I'm curious to know why the total remains so high. Although I got behind when I was unemployed and underemployed for about 8 years, every payment was made, even if they were made late. For 18 months it was paid through Illinois Hardest Hit. 
Roughly calculating, over the course of these last 14 - 15 years ( with my house note fluctuating from a low of approximately {$1200.00} and to a high of nearly {$2200.00} ), my debt has been reduced by about XXXX.  Estimating monthly payments at a low level : {$1200.00} x 12 months per year = {$14000.00} {$14000.00} per year x 14 years = {$200000.00} All things considered, interest rates, insurance and taxes I've paid {$200000.00} to reduce my house mortgage by {$30000.00}. 

{$200000.00} ( total $ paid ) - {$30000.00} ( applied to principal ) = {$170000.00} ( remainder ) Over 14 years where has this {$170000.00} been applied? Interest, insurance, fees. 

Again, roughly speaking since I am not working with actual numbers, about : 15 % has been applied to the principle ( some months as little as {$20.00} ) 85 % to other. 

Now, I'm curious to see how my payments have been applied and if the processes used have been fair and legal. Id also like to get solid answers and gain an understanding of why I continue to owe so much. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: NY

Complaint narrative:
This is not my debt, I've never opened a credit card with this company. It appears on my credit report I've disputed it several times and it has not been removed. I did not enter into a contract with this business. My credit report states the account was open in XX/XX/2017. It says I owe {$780.00}, I've disputed this account numerous times with transunion it has not been removed. The company that brought the debt and have falsely attached this debt to my credit report is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Receives career loan on XX/XX/XXXX in the amount if {$2800.00} at 12.5 % interest and still paying this loan today, XX/XX/XXXX, 14 years later with a balance of {$1900.00}. 

I would like this company 's accounting practices investigated because I don't believe that navient is accuratly managing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I have disputed a incorrect information on my chexsyatems report in XX/XX/XXXX and ask for evidence in there investigation and they have failed to yet provide me with any evidence and it has been well over 30 days now.

The dispute in question is from XXXX XXXX XXXX XXXX, I had an account with them back in early XXXX to late XXXX and I close the account because they keep on causing problems with the account, ( example. ) I had an employer direct deposit in the account and they would let him after deposit my pay he would go back in my account and withdraw everything out my account then put back what he want to, so I reported the matter to the police and had the account close, now on My chexsyatems report XXXX XXXX XXXX XXXX is reporting that my account with them was NSF.

I have ask chexsyatems to verify and validate the account and provide me with evidence and they refuse to.

I have all my communication with chexsyatems if need and I have not contacted XXXX XXXX the matter.

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 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: MT

Complaint narrative:
Applied for a loan and was approved for {$1000.00}. I made a payment or two and now the loan balance is {$2800.00}. After several phone calls and emails they are threatening to turn it over to an aggressive collection account. I spoke with dept of banking of Montana and I was informed to close account due to the loan being illegal in Montana. Does this sound right what are my options?

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 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/2018 I received a screenshot of a text conversation between my ex-husband of nearly a decade and his aunt. His aunt was requesting I contact XXXX  Bank, as they have called her 6 times regarding my credit card debt. As I stated, my ex and I have been divorced for nearly a decade, and his aunt is no relation to me, has no contact information for me, and should not have been contacted once, let alone 6 separate times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I'm not sure why this company is still reporting on my credit consider the fact that this was taken care of, and also citi bank is not reporting who they sold the debt to. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2018-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX it is documented with the Debt Collector was contacted by me disputed the debt and informed them this was not my debt. I requested validation of debt at that time. 
On XX/XX/XXXX I received another debt notice from the Debt Collector. On XX/XX/XXXX at XXXX XXXX  I contacted the Debt Collector and spoke with XXXX. She informed me that I disputed this on XX/XX/XXXX and it was not approved. I informed her to stop contacting me that I will seek legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax several times to get this issue fix. I contacted Equifax on XX/XX/2018 and recently on XX/XX/2018. On XX/XX/2018 I received a confirmation # XXXX that the following address has been deleted but these address are still associated with my account. All of my personal information is incorrect with Equifax. My name is spelled incorrect. My employee is listed incorrect and associated or previous address are still showing up on my report. I have included a screen shot of a recent report from Equifax still showing the former addresses listed.I have also included ID for proof of identity for name correction. The only address that should be showing up on my report is the XXXX XXXX ... Proof of current address is also included.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of Capital One bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company capital one sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: MA

Complaint narrative:
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.

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 2018-10-08 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: MA

Complaint narrative:
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 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: MA

Complaint narrative:
I'm not sure how this happen but I personally took care this with another company that called me XXXX and XXXX on behalf of XXXX XXXX bank. How is this still showing on my credit report with a balance? Why is my credit report has an error where is not showing what company XXXX XXXX sold to. I believe this is an error and federal and state violations under the Fair credit reporting laws.

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 2018-10-08 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: NC

Complaint narrative:
I have been a victim of identity theft.

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 2018-10-08 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: NC

Complaint narrative:
I have been a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been a victim of identity theft.

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 2018-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XXXX, XXXX - XX/XX/XXXX / XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I have tried repeatedly to resolve an issue with Credit Karma for over a year. I have emailed them to let them know that I am not able to access my account because my phone number associated with the account when I set it up over a year ago ( XXXX ) XXXX was puned or taken over by someone else. Credit Karma ignored my requests to help change the number associated with the account and then to close the account. I received numerous emails from them that say things like someone added you as an authorized user on their credit card and that they received the information from XXXX XXXX. When I contacted XXXX XXXX they said that they did not have any information about me being added as an authorized user on someone's credit card. I have had a lot of issues with identity theft and the fact that Credit Karma continues to keep my account open and I do not have access to it is very concerning to me. I would appreciate any help that you could give me as Credit Karma ignores my request to close this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I financed XXXX through Paypal credit under a promotion offering 24 months interest free. On XX/XX/XXXX I financed around XXXX with a promotion of 6 months interest free financing. I wanted to pay off the balance with the 6 months interest free prior to the interest kicking in, so I made an XXXX payment on XX/XX/XXXX. Paypal applied the XXXX to the 24 month interest free loan instead of the loan ending in 6 months. Leaving me with 5 months to come up with the remaining XXXX before the interest kicks in. This seems like a deceptive practice as any other banking institution that I know of would apply the funds to the balance with the promotional period ending soonest, but Paypal states they apply the payment to the loan with the lowest APR first, or in this case the longest promotional period. So, they pay off loans that are at 0 % interest leaving you with loans that may be charging 19 % or more. This should not be allowed as it is unethical and stealing from consumers.

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 2018-10-08 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: CA

Complaint narrative:
I have previous on multiple occasions asked Experian to verify inaccurate items on my credit report. They have contacted me stating they have verified items that I asked to be verified. 
Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

Concerning XXXX XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current and list the terms of the loan. wonder how can a payment status be current if the account is in bankruptcy? 

Concerning XXXX # XXXX They have remarks stating this account was included in a bankruptcy when it should be discharged and they say it was included or discharged through Bankruptcy XXXX or XXXX. First if they verified the item they would know there's no such thing as a XXXX Bankruptcy and secondly if in bankruptcy they couldn't report a high credit limit which would be a violation of the bankruptcy. It also says the payment status is current. 

If Experian actually verify the information shouldn't the information be correct that is incorrect or if they cant verify the information delete it? 

All these accounts list a chapter XXXX bankruptcy, they include account status as current, High limits and all items that are not allowed to be reported from accounts in bankruptcy. 

My birthdate is listed as XXXX which is inaccurate and incomplete. They also list a address I have never resided at and it's a XXXX in XXXX of XXXX while I have been living at XXXX XXXX. XXXX XXXX since XXXX 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 2018-10-08 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: TN

Complaint narrative:
Dear Credit Bureau : Im not happy with the way your company is handling my disputes. My next step in this matter is to file complaints with the Attorney Generals Office in your state and my state if this matter is not fixed. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are problematic and the need to be reinvestigated. 
Creditor : XXXX XXXX Account:XXXX Reason : Not My Account Its your duty, mandated by law, to reinvestigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTB, XXXX, CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion multiple times to verify information on my credit file. 
Concerning account XXXX # XXXX They have remarks stating this account was included in chapter XXXX wage earner plan. They also list a high credit. It also says the payment status is current and last activity was after wage earner plan. The account was discharged in chapter XXXX which is not chapter XXXX and not on a wage earner plan. It also list a high limit which are all not reported after a bankruptcy.

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