vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 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: GA

Complaint narrative:
For over 10 years, Transunion has had my credit account listed to another individual who has a terrible credit record. So because they think I'm she, I'm the one that gets harassed and threatened by the collection agencies that are trying to collect on her bad debt. I even moved to try to escape it and it has followed me here. I have spoken to Transunion multiple times over the past and sent letters ( my bad, they were not certified ). All correspondence I get from them continues to be under her name. I have no debt. I owe no one, yet this woman and Transunion who is totally complicit in this, are ruining my credit. It is truly an astounding story of mis-identification which is too long to go into here. I just want my name back and separated from hers. I have frozen my credit with XXXX and XXXX  but can not do so with Transunion as her name is on my credit record. The mental anguish this has caused is unbelievable. Please help me if you can.

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 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
My husband and I recently refinanced our home. We were issued a payoff notice from Lakeview loan servicing on XXXX for a total payoff of {$230000.00} good through XX/XX/XXXX. We closed and funded on XX/XX/XXXX and our escrow company wired the payoff amount of {$230000.00}. 
On the XXXX, we received a call from Lakeview loan servicing stating that they had rejected and were returning the wire paying off the loan. We immediately informed the escrow officer who called and was on hold with them for over 45 minutes before she was disconnected and was unable to get through to them again. The small bit of information she was able to glean was that the payoff amount had gone up with no additional explanation provided. After multiple additional phone calls and emails, our escrow officer finally received a response on XXXX with a NEW payoff amount of {$230000.00} which was issued on XX/XX/XXXX. AFTER we had closed the loan. Our original payoff, received XXXX, was good through XX/XX/XXXX so this should never have become an issue. At this point, we have spent hours on the phone with their customer service members and has not been able to make any progress. They told usr that the loan will be reporting as delinquent if not paid in full.

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 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have now received 2 phone calls at my place of business from Midland Credit/Midland Funding. I wrote to them previously and asked them to not contact me and they have now violated this two more times. Today ( XX/XX/2019 at XXXX ) I received a phone call that asked if a person with only my first name ( they actually used my nickname and not my legal name ) here, when I said yes they hung up. They have done this before so I know it was them or someone on their behalf. This company needs to be stopped. They are harassing me and have been for a couple of years. Last phone call they threatened me with legal repercussions. I do not even owe them money as they bought a debt I had to another company. I never once signed a contract with Midland and therefore do not legally owe them any money. I spoke with the original creditor and they are NOT collecting on this account and charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
It's not my account, i never applied for it, i never received any benefits from this company. 
i didn't sign any contracts or agreements, they don't have any documents to proof that this account belongs to me. I was victim of Identity Theft, somebody stole my personal information.

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 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Received post discharge monitoring form from Nelnet. The completed form was faxed to XXXX on XX/XX/2019. The form was emailed to XXXX on XX/XX/2019. 

Proof of the completed form is attached to this complaint. 

I need confirmation that Nelnet has processed this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: GA

Complaint narrative:
Experian has failed to update my credit card account status in a timely matter, and this failure is hampering my ability to obtain special holiday resources from my credit union. Rather than admitting to their omission, Experian has blamed the issue on the creditor ; however, the other two bureaus, XXXX  and XXXX, have updated my information. 

This is the second instance in two months where it appears as if representatives at Experian have been disingenuous with me regarding how they update credit information.

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 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: MoneyLion Inc.
State: GA

Complaint narrative:
This company advertises overdraft protection and no overdraft fees returned an item that would cause the overdraft. When I requested that an item be paid the company refused even though I had a deposit in process in the account for the next business day. Very deceptive advertising practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Lender is unable to pull credit report as the message says inquiry reported as fraudulent by the consumer..unable to pull credit file I did not place a fraud alert on my account. Had issues back in XXXX with lender not being able to pull my file and equifax claim to fix it. Now this is a new issue. Called and spoke to several customer service agents who said they dont see any fraud alerts. Bank has even contacted equifax business side who referred them back to me calling consumer services who again didnt help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: IL

Complaint narrative:
I have sent 3 letters to all 3 credit bureau 's, ( XXXX, Equifax, XXXX  ), and the negative items that I have requested to have removed, still remain on my credit. They are required, under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have not provided me a copy of any original documentation ( a consumer contract with my signature on it ),  as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). They have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ). I have been told that they have properly verified the accounts but I have not received any documentation with my signature on it. I've also been told by a rep at Equifax that they don't have original documentation with my signature on it because keeping paperwork like that would take up too much space.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ). I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. 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 2019-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
On XX/XX/XXXX I received a notice from Freedom Mortgage XXXX that my monthly payment would increase by XXXX. When i received this, I made a call to them to let them know thi was a mistake. I have 4 parcels i pay taxes on, I sent them all 4 tax bills, which showed my payment should increase by XXXX. I spent 58 minutes on the phone with them and they told me this would be resolve in about 2-3 weeks, i spoke to XXXX ID # XXXX in the tax department. We discovered that there was a transposed # on parcel ID # XXXX ( accurate # ) They had XXXX whis is someone elses tax bill and XXXX more a month than the correct one On XXXX i spoke with customer care XXXX who informed me the issue would be resolved by XX/XX/XXXX this call was only 14 minutes long On XXXX I called again as i could see on my online account, this was still inaccurate, i refuse to pay XXXX out of my Christmas funds for a bill that is incorrect. I spent 52 minutes on the phone with XXXX who said she is a supervisor in the escalation dept. She informed me the research for this was done with the town and they have accurate tax information. Unfortunately, this is not true. She reviewed the tax bills in their system I had sent previously and said she would open a new research on this, that it would take 2 days and a manager would call me back. SHe said XXXX was the person she was giving my name to for a return call to me to let me know this was resolved. I never received a call. 

On XXXX, i still had not reeceived a call back, so i called again, i spoke with XXXX, who put me on hold for 14 minutes when i asked to speak to a suprivisor. I then spoke with XXXX ID # XXXX, after 15 minutes or so, she informed me this was their error and would be resolved by XX/XX/XXXX. I am hoping this is resolved by then. This has been the most stressful event i have had to deal with in a long time, i can not believe the stress they can put on an individual by making a mistake and not fixing it when they have the information in front of them. Its unnerving what they can get away with and no one governs them.

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 2019-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Thia is a loan credit of XXXX as second mortgage, we couldn't make the payments, now my house has equity and the SLS wants to foreclosure my home, I have been make the payment in the first mortgage that is current, the ba, ace is about 390,000,  I have trying to set up a re-payment plan but the said I do not qualify, if not fear that the second wants me foreclosure and the first is a lot more money that I owe them, I want resolve this off course I want to make affordable payments to the second. I'm willing to set up an affordable re-payment plan.

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 2019-12-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I flew to the XXXX on XXXX XXXX airlines with my family in late XXXX. Whilst I was in the XXXX the airline went bankrupt and I had to purchase a last minute flight home. I put in a claim with Chase Credit card for a full refund of the XXXX XXXX flight with the justification that XXXX XXXX did not provide the service of bringing my family home from the XXXX ( Transaction post date of XX/XX/2019 - {$1200.00} ) That request was rejected by XXXX XXXX  receivership bank. 


I called up Chase in order to continue the dispute. I talked to a supervisor there who stated that I should try and claim back a partial amount. We agreed on half the amount and that Chase would send that request in for me and that I should call back 2 weeks later. I called back one week later and was told that the claim was processing and that I should call back in a week. When I did call back a different supervisor told me that they had in fact done nothing because I was supposed to send them a secure email to tell them to try and claim half the amount. I then did as requested on XX/XX/2019 and sent a secure email to request the half amount back Today ( XX/XX/2019 at XXXX PST ) I called back to check on the status of the claim. The supervisor told me two things : 1 ) That the claim was now over 60 days and they could not do anything.

2 ) That they are under no obligation to ask for half the amount  given that the other financial institution had rejected the first amount. i.e. They never actually put the request in for the half amount claim of {$610.00}. 


Note that It was over 60 days because of the incorrect information Chase provided me over the phone ( I lost at least 15 days where I was told that they had put the reduced claim in ) and I also can not believe that the bank has no obligation to request a different amount based on the initial response from the other institutions bank. 


On the final call I also asked if there was an independent group I could make a complaint to. The supervisor did not mention the CFPB at all and informed me that all complaints were handled internally by the Credit Card Dispute office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a Bank of America Advance Plus Banking Checking Account on XX/XX/2019 with the following offer : XXXX : XXXX which says I am to receive a {$300.00} bonus after {$4000.00} in direct deposits within 90 days. My employer deposited {$2300.00} on XX/XX/2019, {$1900.00} on XX/XX/2019 and {$2400.00} on XX/XX/2019. So within the 90 day period I had well over the required amount of direct deposits. The offer also reads that within 60 days of satisfying the requirements the {$300.00} bonus should post. I satisfied the {$4000.00} deposit on XX/XX/2019 so I would expect the {$300.00} by the end of XXXX, 2019. I called in XXXX to get a status update and I was told I would get an update in 60 days from then. Today is XX/XX/XXXX and I called Bank of America and I was told the back office is still looking into it and to call back every few weeks to check. I told them I'd file a complaint because I refuse to wait longer.

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 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/XXXX I closed on a house in XXXX XXXX with US Bank as my lender. For the last year I've received increasingly large and concerning tax bills that were not reflect in my escrow account, which was set up to pay my taxes and home insurance. I have already had to pay late fees because of the escrow account not properly paying my property tax bills. 

More recently, after receiving my most recent tax bill, my bank has informed me that they are increasing my monthly payments to account for the tax bills they failed to account for when they gave me my mortgage, indicating that they are not responsible for any prediction of tax burden beyond just using the last available tax record from the county. 

XXXX County due to its size only re-assesses property values after the sale of a property, for single family homes at least. US Bank used the assessed price from XXXX when the property sold for HALF the value I purchased it for. 

US Bank is asserting that they had no responsibility, nor way of knowing that the tax burden on my house would be twice what they had estimated when I signed the mortgage. This is a patently absurd assertion as they themselves admitted that the tax burden they indicated was an estimate, so I as the consumer naturally assumed that it was an estimation of WHAT I WOULD BE PAYING. Not an estimation of what the previous owner had been paying. 

Due to this large miscalculation and their complete failure to take any accountability, I am now concerned that I won't be able to remain solvent for an extended period of time, additionally, I would not have signed the mortgage if I had any indication that my monthly payments would exceed 4,000 dollars as they now claim they will. 

I know that this is an intentional negligence as the appraisal that the bank required me to get estimated my home 's value at XXXX $ and the county assessed my home at XXXX . So the bank had all of the necessary information to make an accurate tax estimate and they chose to not do the necessary work. They told me, explicitly, that they intentionally do not calculate those estimates. That is intentional negligence. Plain and simple. 

Attached are my most recent tax bill with the assessor 's value for my house. The appraisal of my house and the final quote for my mortgage with the tax estimations from the time of signing.

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 2019-12-05 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: NC

Complaint narrative:
I sent two dispute letters to Equifax in the months of XXXX and XXXX, but on both occasions, they either told me that they can't complete the investigation process because I either have a security freeze on my credit report or that I'm not detailing what I'm disputing correctly. I feel this is bogus because XXXX  and XXXX  have already deleted the same accounts that I have on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/2019 XXXX & XXXX  reported a collection account for a debt I have no knowledge of and never received any notification. This caused my score to drop -34 points. I have no connection or contract with this company and would like them to delete all negative reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: AZ

Complaint narrative:
XXXX XXXX sold my loan to XXXX XXXX XXXX XXXX XXXX XXXX. I WAS NEVER NOTIFIED. My autopay was subsequently not changed to reflect this change. The loan was reported to credit bureau as not paid. Please see attachments. 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 2019-12-05 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
these loans was a forbearance these loans was defferred and in XXXX XXXX any lates was covered my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I disputed 2 fraudulent charge backs ( violation of Fair Credit Billing Act ) by Chase Bank -Chase violations of Deceptive Trade Practices and Consumer Protection Statutes. Services were never rendered, chase did not investigate and stole {$120.00} out of my checking account, Please read attached.

Company response to consumer: Closed with monetary relief