vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX of XXXX I applied for a Home Equity Line of Credit that was approved. Part of that HELOC required that I pay off the PACE loan on my home. When the HELOC provider paid the PACE loan they also paid the XX/XX/XXXX property tax bill. The following day my 1st Mortgage with Select Portfolio Servicing paid the same property tax bill. XXXX County Tax Collector mailed the duplicate payment back to Select Portfolio Serving on XX/XX/XXXX. Select Portfolio Servicing has verbally confirmed they have received the returned property tax payment. It does not show up in my escrow balance. I requested on XX/XX/XXXX to close my escrow account to try to get this over payment back. The escrow department has confirmed they sent the check to the cashier department XX/XX/XXXX. I have called Select Portfolio Servicing 6 times to get this money refunded. Every time i call i get the same answer : " I have emailed the escrow department to have them look into this and no sir we are not allowed to call the escrow department '' .Currently the refund of the property tax payment is {$8200.00} that i have not received back and the balance in my escrow account that was closed on XX/XX/XXXX is {$3300.00}. Select Portfolio Servicing is telling me they will not send my escrow balance until XX/XX/XXXX but that will only be the {$3300.00} and no one can tell me when i will get the refunded property tax part. The customer service people are very polite but don't get anything done. Can someone please help??? 

I have spoke to XXXX, XXXX, XXXX, XXXX, and someone the the last name XXXX as Select Portfolio Servicing. Can at least one of them do their job???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MN

Complaint narrative:
Good evening I would Like to file a formal complaint on Transunion I have asked them about 3 times to investigate And remove incorrect reporting on my credit report But they fail to do so. there are a lot of major Violation on Transunion behave.. fcra says each account must be reported 100 % accurate CFPB I WOULD like to point out a few Violation on Transunion behalf XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX No account number Incomplete info Please delete This account asap This account Is showing a pass due balance per FCRA No closed accounts should show a Monthly payment Transunion Remove this account ASAP OR I WILL FILE A LAWSUIT FOR FCRA Violations

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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Account information has not been removed after after XXXX years of been their income information is incorrect and does not show that it has been properly handled

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 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I received a loan from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXX. Before getting the loan I spoke to the school and advised them that I had XXXX and was not sure that I could attend as I would not be able to go to the campus very often or easily. XXXX XXXX assured me that this would not be an issue. The total loan amount I received from Sallie May totaled to around {$25000.00}. While attending the school I was also dealing with my medical condition and also working full-time. Without warning I was kicked out of the school from not being on the campus enough per week. I attempted to reconcile this with the school with no success. As I was paying on the student loan I noticed that none of the loan amount was ever refunded back to Sallie Mae. There were several courses, text books, and certification exam vouchers that I paid for with the loan, and I never received these materials from the school. I attempted to contact Sallie Mae to see if there was anything they could do with the school to have them return the remaining money for courses and materials that I did not use or receive and they would only advise me to contact the school. 

The loan servicer eventually changed to Navient. I kept repeating the process of attempting to have money returned to the loan servicer or for me to receive the materials and courses that I was not allowed to get from the school kicking me out. I still have not been able to get any progress on this. I don't feel I should have to pay the full loan amount for services or books/exam vouchers that I did not receive. 

Now, several years later Navient is not sending me any mail or anything regarding my student loan and am not able to make payments. It is listed as closed on my credit report but they are still reporting late payments on the account and it is still accuring interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MI

Complaint narrative:
A few days ago XXXX reported a remark to the credit bureaus regarding an account that was paid in XXXX of this year. How can they remark on a closed account? First they reported incorrect information on my credit report about the payments I made and the amount of time they were supposedly late. I have proof that I made payments and that the amount I paid was more than what they listed on 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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Account information has not been removed after after nine years of been their income information is incorrect and does not show that it has been properly handled

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 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC
State: IL

Complaint narrative:
I used Ria XXXX XXXX XXXX  to send money internationally  with the promise that the transaction would take 30 minutes. I did this on XX/XX/XXXX. I took me at least 9 phone calls and finally the money was deposited on XX/XX/XXXX. They disclosed that the cost of this transaction would be {$7.00}, but the charged me {$1.00} additional to complete the transaction. Their customer service is very deficient with poor sound quality and long waiting times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: SC

Complaint narrative:
I noticed multiple problems with the following collection accounts, and hard inquiries. I was a victim of identity theft. I did not authorize the opening of any of these accounts. I received several alerts to my email from a credit-monitoring site that I had a trial service with years ago but paid no attention. I recently pulled my report and was in awe of the amount of errors and fraudulent accounts. I did some research and received some legal advice. A consumer-reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had a statement balance due of {$3000.00} on XX/XX/2019. I made a payment for the current balance due of {$4200.00} from my banks savings account on XX/XX/2019. I received a confirmation of payment email from my credit card company on XX/XX/2019. I received a " payment posted '' email from my credit card company on XX/XX/2019. On XX/XX/2019 I received an email from my credit card company stating that my payment was past due. After speaking with my credit card company, I was told that they posted my payment & credit my account with the balance paid " in good faith '' that my bank would pay the charge. Since I wasn't notified that my bank did not make the payment until several days after my payment was due, I was charged interest for non payment. This seems unfair as I should have been notified sooner that their was a problem with my payment to give me a chance to correct it before incurring interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-12 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: GA

Complaint narrative:
I have continuously disputed unauthorized inquiries on my credit report with TransUnion. Personnel has not investigated any of the numerous requests that I have submitted. Instead they send a form letter explaining inquiries. TransUnion has not adhered to the law, requiring them to investigate disputes.

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 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Clicked a link I saw online to get free information from Quicken Loans about refinancing my mortgage in order to save money. Clicked through, advised my credit to be run, and then got the results. They couldn't save me any money, all of the options were more expensive than I was paying. Later this morning, XX/XX/2019, I received a call from XXXX XXXX. The information I have for him is ( XXXX ) XXXX-XXXX, XXXX, NMLS : XXXX. 

I told XXXX that based on the results online, it didn't appear to be beneficial to refinance as all the options were more expensive than my current situation. He said he wanted to look into it a little more and that there may be more options he was able to provide than what I saw online. He asked for some basic information, and then told me he needed my birth date and social security number to give me some real numbers. I specifically told him I had already had a hard pull on my credit earlier that morning with Quicken Loans and that I didn't want another pull, he could just access that information that I already consented to. He then lied to me and advised that Quicken Loans could access that first credit pull for 14 days with no harm to my credit and without doing a second pull, he just needed my birth date and social to access the report. He then did a second hard pull on my credit, and all of the options he came up with would raise my monthly mortgage payment so I wasn't interested. When I found out that I was lied to and there was a second hard pull on my account I attempted to reach him at the number provided but was unsuccessful. I don't think it's fair for a company representative to lie to a consumer in the hopes that maybe it helps them to close a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My complaint is against Equifax and XXXX credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX XXXX XXXX, account # XXXX open XX/XX/2013 and the second account is from XXXX XXXX XXXX, account # XXXX date openXX/XX/2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION HAS NOT LET ME DISPUTE CLAIMS ON MY CREDIT REPORT. THE CREDIT SCORE WAS XXXX. NOW THEY WANT ME TO PAY THEM {$29.00} TO GET ALL THREE CREDIT REPORTS. THE FREE ANNUAL CREDIT REPORT DID NOT LET ME DISPUTE ERRORS I FOUND ON TRANSUNION. 

TRANSUNION WOULD NOT LET ME PRINT PAGES ; SO I COPIED THE EXAMPLE : CREDIT MONITORING Dispute Center Alerts Profile Support Logout Dashboard Credit Score Credit Report Credit Lock Tools My Savings My Profile SMS ALERTSStay in the know with Instant Credit Alerts! Setup SMS Alerts now Alerts ( 33 ) XXXX XXXX XXXX   Powered by XXXX XXXX TransUnion Logo UNABLE TO ACTIVATE XXXX   Logo UNLOCKED My TransUnion Credit Score As of XX/XX/XXXX. Based on XXXX XXXX XXXX D XXXX / F XXXX / A COMPLETE YOUR CREDIT PICTURE Score Simulator -- - XXXX / F XXXX / A XXXX Current Score -- - Simulate Now Dont Miss Out on This Featured Offer! 

My Membership Center Your Credit Report and Score are 98 days old. 
Refresh Now Complete my credit picture with a full 3-Bureau profile Get the Full Picture Credit Summary Score Trending Debt Analysis {$27000.00} Balances as of XX/XX/XXXX Payments Total Accounts Open Accounts {$210.00} 41 6 Inquiries ( 2 years ) Delinquent Derogatory 17 0 8 COMPLETE YOUR CREDIT PICTURE Membership Benefits Credit Education More Products Instant Alerts Identity Theft Insurance Fraud Resolution TransUnion 's Fraud Victim Assistance Department ( FVAD ) is available to assist in restoring your identity after an incident of identity fraud. FVAD specialists are trained experts in detection and resolution of credit fraud-related situations, and have in-depth knowledge about laws, regulations and consumer relations policies. 
More Valued Member Since XX/XX/XXXX My Savings About us Who we are Terms of Use Privacy Policy Frequently asked questions My account My profile Credit alerts Credit score Credit report Tools Credit Lock Resources Support Credit education My Savings Blog This site is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. Copyright XXXX TransUnion Consumer Interactive. All Rights Reserved.

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 2019-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Hard inquiry on my credit report for a credit card that was not adding to my accounts. Hard inquiry is on all my credit reports on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
There was a promotional offer provided with XXXX ( through Synchrony ) - offer pasted below. I made five qualifying purchases within this period and registered each one to ensure that the credits would be received. I have received three statement credits, but I am still missing two. I have tried to chat with the company five times and they keep telling me they have escalated it, are looking into it, or someone will contact me and nothing is done. I don't know if they have pulled this with other cardholders also, but I believe I needed to submit this so it doesn't happen to anyone else. I am currently waiting on the last two credits for {$75.00} ( total of {$150.00} ). I asked them to clarify I would receive them. They said I should receive a credit. I worded it asking to answer yes, that I will receive a statement credit. They didn't want to answer definitively " yes '' and then backpedaled when I explained I would be submitting a complaint. 

EARN UP TO $ XXXX paid as a statement credit when you make a single receipt, online or in-store purchase with your XXXX XXXX XXXX at a participating location. There is no limit to the number of statement credits you can earn during the promotion period, but you need to register for each statement credit to receive the credit. 
XX/XX/XXXX - XX/XX/2018 {$50.00} BACK on purchases of $ XXXX {$740.00} {$75.00} BACK on purchases of $ XXXX {$1400.00} {$100.00} BACK on purchases of $ XXXX HERE 'S HOW : 1. REGISTER by visiting www.XXXX or by calling XXXX no later than XX/XX/2018. 
2. USE your XXXX XXXX XXXX on any single receipt, online or in-store purchase XX/XX/XXXX - XX/XX/2018 at a participating XXXX XXXX   location or online. 
3. EARN up to {$100.00} back in the form of a statement credit. 

DON'T FORGET : You must register for each statement credit to be eligible to earn the statement 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 monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
To Whom this may concern, Upon looking at my credit file in XXXX of XXXX to obtain a mortgage, I realized there was a collection being reported as an open collection item on my credit file in the amount of ( {$3900.00} ) by a company called FCO Fair Collection & Outsourcing. The company said the debt was opened on XX/XX/XXXX this debt is most certainly not mine as this case was dissmissed without prejudice in court ( see attached REQUEST FOR DISSMISSAL signed by the court as of XX/XX/XXXX ), only to have this debt forward to a collection company causing great hardship for me and my wife in trying to obtain a mortgage for our family after years of renting. I attempted to contact creditor to provide proof of debt only to be told debt is allowable by law and that don't have to prove the debt is owed. I went only tell them that the debt was dissmissed in court and forward proof of said dissmissal I was told that the legal court document was worthless and that they legally have a right to seek damages for wear and tear, paint and carpet outside of court. I tried to explain to them that I've in apartment for over 2 1/2 yrs and thought I left the apt spottless, it was signed off my the onsite manager upon acceptance of the key. Nevertheless, it would be expected to paint and replace  carpet but not at my expense I would like the matter be resolved and removed from my credit file.

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 2019-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that my mortgage is increasing by {$74.00} per mom after an escrow analysis was done. The letter informed me that the increase is effective on XX/XX/XXXX. I immediately called XXXXhe servicing company XXXX  number listed on the letter and was greeted by a young lady by the name of XXXX ID number XXXX who explained that since the letter was dated XX/XX/XXXX that there is nothing she could do to assist me in extending the effective date even though I was only notified 19 days prior. I asked her why nothing could be done, She told me that since I didnt seem to like her answer that I could with call Lakeview the Finance company or speak with her manager. She transferred me to a woman who claimed to be a manager by the name of XXXX ID number XXXX who stated that because the letter was dated XX/XX/XXXX theres nothing she could do to help me. She placed me on hold and came back and said that the letter was available to me online under my account on XX/XX/XXXX. I then asked her to confirm for me when they received my XXXX mortgage payment thats made online every month, she stated on XX/XX/XXXX. I asked her then how am I supposed to know as a first time homebuyer to look for such a letter AFTER Ive already made my XXXX payment, that I access my account when its time to make a payment and at that time there was no letter there. She then offered to transfer me to an escalation line. I asked if I would have to explain all this to yet another person, XXXX assured me that she would warm transfer me so that she could let the person who answered know what was going on. After being on hold a few minutes a person greeted me by the name of XXXX ID XXXX, she had no knowledge of what was going on and stated that no one told her that a call was being transferred to her so I had to explain all over again and to no avail I got nowhere with her. She stated that all she could do was waive a late fee if I needed to pay late. I explained to her how hard Ive worked on my credit, that my payments are always early for that very reason, that what Im asking is for a proper 30 day notice that a XX/XX/XXXX effective date would be fair ... she was no help AT ALL. I am now forced to try to figure out how I will be able to come up with the rest of the funds for this increase. The amount may not seem like much to most but to a single Mother, it means a great deal.

Company response to consumer: Closed with explanation