vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reported to the Federal Trade Commission that I am an identity theft victim because someone stole my phone, identification, wallet, credit cards, etc. I have disputed incorrect informatio n ( b ankruptcies, liens,  XXXX   XXXX   XXXX  and   XXXX   XXXX    ) b eing reported on my credit reports with the  XXXX  credit bureaus but to no avail. I am a victim of identity theft. I have placed an identity fraud on all of my reports, I have contacted the clerks from the superior courts and  XXXX   XXXX   ( w hich has a freeze on reporting any information to any agen cy ) to  inquire about erroneous information being report and was informed by them that they are not reporting any information to the  XXXX  credit bureaus. This has caused a hardship for me and I am prepared to file a complaint in civil court to resolve these matters if they are unwilling to resolve these issues..

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 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
Around  XXXX  we took a loan out wit h Sterling Bank  in  XXXX  Oregon. To make payments, we had to have a checking account with  Sterling Ba nk. Each month an auto payment was deposited into the checking account. After that, the money was rolled over into the loan to make payment.    Time has passed, Sterling Bank bec ame part of Umpqua Bank. For a few more years, there was no change in the initial process. A while back, I started to note {$3.00} charge for paper statements while I was receiving it electronically as well. I contacted the bank and was not able to resolve that issue.    Today   XXXX   XXXX ,  XXXX , I got into my account via online but was not able to see any information regarding the checking account or the loan. Therefore I contacted Umpqua Bank. The  Umpqua Representative questioned me about identification for security which I gave and understand.  Then the representative began to ask me specifics about the account which was why I was calling. My online bank account did not give me any information besides my personal information. She then required that I find a bank statement to provide the information. While getting the bank statement, I found a letter dated  XXXX   XXXX ,  XXXX , from Umpqua Bank. The letter ( in part ) said we have noticed you have not used your account for over 24 months. This classifies your account as dormant and therefore subject to a monthly service charge of {$5.00}.   At this point, I had my bank statement and asked about the  XXXX  dollar charge. Th e Umpqua  Representative responded that it was a federal law. I explained that it was not dormant because a not all payment went into checking, a transfer occurred to the loan and Umpqua Bank is charging 7.75 % interest on the loan. She explained that if I did not physically do anything with the account, it was therefore dormant. I asked her how this could be in a day when technology allows us to take a picture of a check. There are less and fewer bank consumers doing their banking physically. She continued to deny that the account was active and there are numerous {$3.00} charges as well as who knows how many {$5.00} charges have occurred.   At this point, I am being told by the  Umpqua Representative that my account is dormant while Umpqua Bank is making roughly {$100.00 } plus dollars and charging an additional {$3.00} along with {$5.00} each month. I find it difficult to believe that this is a law and request assistance.

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: ME

Complaint narrative:
I closed on the sale of my home on   XXXX / XXXX /17.   Round Point Mortgaging  held my mortgage at the time.   XXXX   XXXX   XXXX   contacted  Round Point  for the payoff statement o n  XXXX / XXXX /17. The payoff statement stated {$130000.00} was amount of payoff, good through  XXXX / XXXX /17. A check was sent by   XXXX   XXXX   to Round Point for {$130000.00} on the day of closing,  XXXX / XXXX /17. I cont inued to receive phone calls from  Round Point  in an attempt to collect payment they were saying was past due, so I stopped answering their calls knowing the pay off check was en route. Then I received foreclosure paper work in the mail from  Round Point M ortgage Co. I called and spoke with a woman who told me there was a shortage of {$860.00} from the pay off amount and stated the reason why was because of escrow shortage & fees. She also informed me as of   XXXX / XXXX /17 the amount d ue was $ 1300+. This woman also informed me that   XXXX   other pay off statements had been generated b by Round Point  Mortgage Co since the original da ted  XXXX / XXXX /17. I was told t he reason for the updated pay off statements was due to  Round Point  paying the property taxes that had come due on the property. It took me  two  weeks to actually speak with my " Accoun nt Manager ' ' who then told me it was   XXXX   XXXX   XXXX   XXXX   error, not Round Point 's. After contacting   XXXX   XXXX   XXXX  , they of course stated it was an error o n Round Point  Mortgage Co 's, not theirs, and stated they never received any " updated '' pay off statements ; only the  1st dated  XXXX / XXXX /17. I contacted the Town I live in to find out about the taxes being paid. They received the payment from the buyers of my property and then received Round Point 's check for taxes in amount of {$2000.00}. They have issued a refund to Round Point Mortgage on  XXXX / XXXX /17 for {$2000.00}, which to date is not bei ng reported b y Round Point as r eceived. I received a statement from  Round Point o  n  XXXX / XXXX /17 showin g a balance due now of {$2200.00}. I 'm unclear whether the error was on  Round Point 's  for sending the tax payment or  XXXX   XXXX  for not sending the correct payoff. I 'm under the assumption at this point my next step is t o 1. report this to cfpb and 2.  hire a lawyer to take care of this issue.

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 2017-05-06 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I got a mortgage through  XXXX .  XXXX  purchased it. In  XXXX , I made a payment via the phone, like I had every other month. A few weeks later, I realized the amount had not been deducted from my bank account. I called to find out why. They did not have record of my payment. I made  two p ayments at that time.     I now have a 30 day late payment on my credit report, and it made m y credit score fa ll by  XXXX  points.     That late payment is literally the only late payment in the entire history of 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 2017-05-06 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: WA

Complaint narrative:
I have called TransUnion as well as sent letters asking them to remove all unauthorized inquiry from my credit report. Which then they turn around and send a letter pretty much saying they wont remove them. Which I know by law that, that isnt true they have to remove any unauthorized inquiry.

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 2017-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We purchased our home in  XXXX . In  XXXX , we took out a home equity loan with  XXXX . In  XXXX , at the height of the financial crisis, our business experienced catastrophic losses. We asked to make partial payments and were denied. However, we were offered and approved for a loan modification, which we paid on time every month. Suddenly, our lender, which is now  XXXX    XXXX    (  who acquired  XXXX   ),  breached the agreement and asked for all payments in the former amount combined with fees and penalties due at once. We obtained legal assistance to fight for our rights and finally in  XXXX , they withdrew the lawsuit. Our home has been underwater since  XXXX . We have been trying to resolve this for almost 9 years.   Then, in  XXXX , they filed for foreclosure again and we filed against them on statue of limitations. While our case was being considered, the  XXXX   XXXX   Court of appeals  demolished statue of limitation laws in  XXXX  states. Texas now has no statute of limitations on foreclosure. They can foreclose until the end of time. In  XXXX ,  XXXX  started foreclosure again.   We applied for another loan modification and were denied and received a letter that we were not eligible because we were over 90 days delinquent. The other reason is that they could not reduce our payment by 20 %. What does that mean? Our original loan was {$680000.00} and now they say we owe {$1.00}  XXXX . The house is still underwater and we can not sell it for $  XXXX . Even though they are supposed to help home owners who are underwater with some of the  XXXX   XXXX  in fines levied by th e US  government, they have told us they will not help us.   There is no t one person at Ocwen, who is the agent  for  XXXX   XXXX , who has any authority to make a decision other than foreclosure. How in this great country, can we allow a foreign entity doing business on our soil not to follow the laws. And, the loan servicer is  Ocwen  and I can not even begin to list the abuses we have suffered at their hands. As senior citizens, we will never recover from this financially and  XXXX  and  Ocwen  get off without any agency or th e U.S. Department of Justice able to make them follow the laws. Ocwen is in trouble again, but they continue to break every federal law created to protect home owners. Ocwen has broken every Dodd Frank law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: GA

Complaint narrative:
I sent Experian a certified let ter on  X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five years ). Even E xperian has corresponded with me through my updated address.

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Gitsit Solutions, LLC.
State: CT

Complaint narrative:
Even though I 'm eligible and can afford it, Kondaur Capital Corporation only offered me an unafforable payment arrangement. I received a letter on   XXXX   XXXX   XXXX     telling me that I was denied a payment arrangement because the payments that they want me to make are " unaffordable ''. They want me to pay my {$33000.00} in arrears over 12 months plus make my regular monthly mortgage payment of {$1400.00} which would total approximately a {$4100.00} monthly payment. I would like to keep my home of 18 years. My loan was originally an FHA loan and after much research, it has come to my attention that  Kondaur  is a  XXXX   XXXX  investment company which means they bought my loan at a discount meaning they can reduce my principle if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am a customer  of Chase 's   XXXX   XXXX   XXXX . This card heavily advertises a rewards program that rewards 3 % of spend on travel & dining purchases, and 1 % on all other purchases, which I 've used for sometime and have been quite satisfied with - but comes at a cost of a {$450.00} annual fee, so I have high expectations for fully utilizing the benefits of the card.     Earlier this year, I made a purchase at a cabin/lodging rental company,  XXXX   XXXX , for a trip. While not a nationally recognized hotel brand or travel agency, it 's a reputable company that can be easily found through web search, has a better business bureau profile, etc.     I reviewed my statement from  Chase  and found that I only received 1 % cash back on this purchase. I have contacted them multiple times to try to adjust my purchase to reflect that this merchant should be considered a 'travel ' expense and earn 3 % rewards, but was told that the merchant classification for  XXXX   XXXX  that from happening.     How the merchant is classified is not my problem  - Chase  clearly advertises bonus rewards for travel, and any reasonable person would conclude this purchase should earn them. I recognize the syste m may not be  100 % foolproof and am happy to bring this to their attention - but it is deceptive and unfair for them to not adjust my rewards balance after my having done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 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: GA

Complaint narrative:
I sent Experian a certified letter on   X/XX/2017  as well as a fax on  X/XX/2017  regarding updating the accuracy of my address, telephone number and employment. They have refused to make the changes. I submitted a copy of my drivers license, social security number and a bank statement, with my current address ( which has been my address over the last five y ears ). Even Experian has corresponded with me through my updated address.

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 2017-05-06 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: Early Warning Services, LLC
State: TX

Complaint narrative:
EARLY WARNING SERVICES INQUIRIES ON MY CREDIT REPORT IN THE AMOUNT 0F : $  XXXX . XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On  XXXX / XXXX /  XXXX   I wrote to Experian regarding an inaccurate reporting of a collection account and asked them how they verified the item, since they said in their previous response they verified it. The answered with " PLEASE CONTACT CREDIT GRANTOR AT ... '' That is not a proper explanation of how they verified the information. This is n't a credit grantor either it 's a collection agency that did n't grant anyone any credit.

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 2017-05-06 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: TX

Complaint narrative:
I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all  XXXX  major bureaus to no availe

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 2017-05-06 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: AFNI INC.
State: NC

Complaint narrative:
A company that goes b y AFNI w ith the telephone number :  XXXX . They called twice - once on  XXXX   XXXX  at  XXXX   XXXX  and again on  XXXX   XXXX  at  XXXX    XXXX   .  They did not leave a message either time but when I got home I saw that they called. The first time, I called the number back not having any idea who they were. They said they were a debt collection company and asked to speak to me. I said they were calling the wrong number and I asked them to not call me again. Then again today I come home from work and see that they called again. I called them back but they were not open. How many times do I need to tell them to stop calling me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
diversified consultants just put this on my credit I do not no who this company is this company sent the credit bureaus wrong and misleading information I do not owe them are who they say they are representing  XXXX  it what 's showing on my report when I tried to call both no success speaking and getting any understanding  because they do n't no what they are doing you just cant throw o ver 3000.00 debt on  someone 's account with out notifying them 30 days i n advance that 's against the law I 'm sick of these companies destroying people credit like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I disputed  XXXX  collection that i seen on my Equifax credit report that i have no knowledge of. They did a investigation and told me that the collection belong to me with out any proof of me agreeing to owing these collection.  XXXX  of them is CC collection for {$140.00} and the other  XXXX  is also CC collection for {$56.00}. I reported it on  XXXX / XXXX /  XXXX   or on  XXXX / XXXX /  XXXX  . i got a response on  XXXX / XXXX /  XXXX  . I 'm not satisfied with this response due to the fact that the other  XXXX  bureaus had them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: TX

Complaint narrative:
I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all  XXXX  of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than one name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe

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 2017-05-06 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: TX

Complaint narrative:
I have sent certified letters to get my personal info corrected on  XXXX / XXXX /  XXXX   and  XXXX   XXXX  and have also called all   XXXX   of them on. Several occasions to get my personal information updated and inquiry 's removed. I keep getting the run around and they continue to report addresses that are not valid, work history that is invalid and continue to have more than  one  name associated with my account. Several of the inquiry 's are not valid and they tell me to call creditor ... .I sent creditors certified mail and they tell me they can not remove they credit bureau has to do it ... ..I am exhausted with the effort of trying to correct my reports from all   XXXX   major bureaus to no availe

Company response to consumer: Closed with non-monetary relief