vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian Credit Report has halted all credit reporting activity from my creditors. My last active report was done on  XXXX   XXXX  ,2017. All o ther Exper ian Credit Reports have been ok. All of the sudden my whole credit history is gone and Experian is not reporting or the credit ors are not reporting to them since that date. I would like to know what happen.     My first action was to contact Experian, however the only simple resolution was to call all my creditors to report to them, but that will be a taunting task to do all myself. I have uploaded my most recent Experian Credit Report belo w. Two repres entatives tried to assist me but only came with  XXXX  recent closed  XXXX   XXXX  card since  2017   . They  XXXX  soft credit pulls. They do have a service called Experian  Credit Works and  also there regular consumer Experian website.     In addition I will also include the most current credit report that has nothing of my credit report information, just my personal information.     On a side note :  XXXX  and   XXXX   are reporting accurately

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 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I have contact ed Caliber Home Lo ans multiple times regarding an incorrrect balance increase they reported to the credit bureau and an increase in my escrow account because of an error of their end for the amount they set my escrow account at and also then paying the e ntire 2016 propert y tax amount when I did n't close on the home until  XXXX   2016. Ea ch time a representative assured me they will find the problem and contact me back. I was never contacted back so I started asking for a supervisor. A supervisor returns my call and assured me she would correct my problems and close my escrow account. I never heard back from her again. I started calling again. Exact same recourse. Another supervisor contacted me and the same spill. Never heard back from her again. My credit is still lower and they are charging me over {$150.00} a month extra each month and wo n't return my call or fix tne issues.     I have documented emails from differ ent Caliber representati ves and there is a customer survey that should be on file of all problems and errors I experienced at closing prior to this new issue. All phones calls were recorded so every minute of this should be documente d. Caliber has  spent my escrow account in error and now charging me more money, lowered my  credit score for a n incorrect balance increase and will not return an email, or phone call. Each new person says enough to get off the phone then ignores me and does not do what they assure me they will do. One representative even disclosed they do n't even have my proper uodat d closing documents on file that they messed up multiple times at my closing when we tr aveled 3 h ours for closing to almost not be given the keys to our new home. My next step will be obtaining legal counsel if this is not resolved and I 'm mislead once more about this being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Diversified has Failed to comply with Federal law under the Fair Debt Collection Practices Act, by not properly providing verification as I have requested under my rights.Diversified has Failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do?      SunTrust Mortgage ( Loan Number   XXXX   ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the  XXXX  of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment.     I have only had this mortgage since  XXXX , yet they continue to try to steal money from me. You wrote to me on  XXXX   XXXX  that you were sending my compla int to SunTrust.  On  XXXX   XXXX   SunTrust wro te that they had reapplied my payments correc tly ( for  the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied.     I want your office to step in and do your job. Simply sending my complaints  to SunTrust is  not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting  Senator   XXXX  and Congressman  XXXX  to ensure that you do your job and g et SunTrust to s top this illegal 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 2017-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a credit card  with Chase with a date o f last activity i n 2012 and  a Chapter  XXXX  bankruptcy discharge.  Today I received a letter stating that Chase was still charging my account late fees and interest. I called the number on the letter and was told that I had to call their " recovery '' department " to find out why they are doing this and to get them to remove it. '' I explained that this debt was discharged in bankruptcy and therefore there is no account or balance they can charge. The person on the phone acted confused, then agreed that her records showed this. Nevertheless she refused to tell me what Chase is up to, why they are still trying to collect a discharged debt and refused to resolve the issue. I told her I would not be making any more phone calls to " find out why '' Chase is deliberately breaking the law and would be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: TX

Complaint narrative:
On  XXXX   XXXX  I logged into  XXXX   XXXX  and it showed I had an account in collections. It showed   XXXX     XXXX   XXXX   XXXX  sent my account to a collection company with a total owed of {$140.00}. I never ever received a bill or other written notice about money owed to them. On  XXXX   XXXX , I sent an email to  XXXX  XXXX  XXXX  telling them I never received a bill for services rendered and demanded that my account be removed from collections. I still have not received a response from them. It seems that they " parked '' my debt on my credit report because they did not want to pursue this matter in an ethical way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I had some XX/XX/XXXX work done in XX/XX/XXXX and charged it to my Care Credit/Synchrony Bank charge card. The total of the bill was {$250.00}. When I received the bill, I immediately went online to enroll in their auto pay system to ensure my payments would be received on time and that my bill would be paid off at the end of their promotional period of their 6 month no interest/no payments plan. My payments were set up as follows : XX/XX/XXXX {$58.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} XX/XX/XXXX {$40.00} I just logged into my account online to make sure this bill is paid in full, as it should be, and I noticed that I have been receiving a late fee of {$38.00} every month and my balance is {$220.00}!!! I have made my payments EARLY every month and have never been late with this account, which I have had for years and never had an issue until now. I have never been notified that my payments were " late '' or that I have been charged a $ XXXX monthly late fee. I am requesting that Care Credit/Synchrony Bank review my account and correct my balance to {$0.00}. Furthermore, if any negative credit reporting has been done, I would also like them to correct this problem.

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 2017-05-23 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: AL

Complaint narrative:
I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ever y 2 to 3  months updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

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 2017-05-23 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: AL

Complaint narrative:
I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting eve ry 2 to 3 mon ths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

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 2017-05-23 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: AL

Complaint narrative:
I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ev ery 2 to 3 m onths updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: CA

Complaint narrative:
I notified Transunion customer service of some unauthorized credit inquirys and they would not take care of it and as a result my credit is being negatively impacted. I spoke with customer service on  XXXX   XXXX ,   XXXX   at about  XXXX   XXXX   Pacific Standard Time.       XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation
Consumer complaint received 2017-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had  XXXX  walmart cards that was offered to be upgraded prior to getting the card I called to make sure my history for the cards  XXXX  and  XXXX  would stay on the card that I was being upgraded too. The information I was sent did not state anything that is why I called. After getting the card I activated it and the other cards were closed. Now I do not have history on the new card shows I have had the card since  XXXX  and  XXXX . After calling today to Syncrony bank I was hung up on by  XXXX   XXXX  in OH, called back and when asking for a supervisor to correct this was told I could not speak t o one the y would tell me the same thing. Now I have  XXXX  new accounts after calling before and now I am being told I misunderstood.

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 2017-05-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have been dealing with a company called nelnet. I have applied for loan forgiveness. I have submitted the aplication 3 times. Every time they have denied the application. Even though I have provided the required documentation. They wait exactly 45 days and then deny it. They send me a letter asking me to submit something else. This company is garnishing my   XXXX   XXXX    XXXX  benefits as well as my federal tax return. This is been going on since early  XXXX . They attempted to notify me back in  XXXX . I was in   XXXX   XXXX   hospital in   XXXX   XXXX  . I was also   XXXX   XXXX   XXXX   for several weeks. I did not have a chance to respond to the garnishment letter. Nor did I receive it. They are refusing to stop the garnishment. Every time I call I get different answers. I have made several reasonable attempts to work this out with them. However they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: American Credit Acceptance, LLC
State: TX

Complaint narrative:
In  XXXX   XXXX  of  XXXX . I went to  XXXX   XXXX  in  XXXX , TX to look at getting a new car, after mine had been totaled in an accident that previous  XXXX  that was not my fault. The agreement was that i was to get my current car. A  XXXX   XXXX   XXXX   XXXX   XXXX , and they would roll over the remaining {$500.00} of my previous loan ( From  American Credit Acceptance ) o nto my current car loan ( with   XXXX   XXXX   XXXX   ). I finished all the paperwork and drove away with my new car in  XXXX .  XXXX  told me they would cut a check for the payoff amount remaining on my car, and i would send the check in to pay off the previous loan with ACA. A month passed, after repeated phone calls to  XXXX , and no check ever came, u ntil one day  i got upset and drove down there, where they told me the funds were processed on  XXXX   XXXX , but they lost it. I was noticeably unhappy with their response, so they cut another check. Which they did not get to me until  XXXX   XXXX   XXXX , at this point I was already 3 months behind on my car payment, to where ACA was threatening to reposes a car that I did n't even have.  XXXX  said they would take care of the situation, but never did. I let it take a backseat to some other issues in my life, but when it came time to trade up to a new car, the problem arose again, and i had to contact  XXXX  again, where at first they did n't want to admit fault, but after some digging and pushing they finally did. And i got them to send a letter, and the lady stated she would submit i t to ACA  and the credit Bureaus but never did. Now it 's bee n three month s since she told me she had done it, and nothing has changed, and im honestly just sick of waiting.

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 2017-05-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR

Complaint narrative:
My ex had a bank account with  XXXX   XXXX  in Arkansas  in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my 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 2017-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
My account was transferred to another lien holder in  XXXX   2016  without any knowledge of the changes. My last payment was n't processed with my previous lien holder. My account balance is incorrect, I w as two forms of paperwork with different balances. I changed my lien holder for the third time to a bank, my pay off account is different from the amount the previous two lien holder s told me I owed. I can provide proper documents upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have submitted a previous request regarding the public record on my Equifax credit report to please be removed. The tax lien has been satisfied and I 've submitted documents showing this but Equifax is still refusing to remove it from my report saying that it is listed as " released. '' I am trying to get a house for my children and myself and this public record is hindering me from doing so because it 's reporting as *derogatory '' on my report. I have submitted the satisfactory document to the other credit bureaus and they have deleted this from my report with no problem. I am in desperate need to have this deleted from my report and I am in desperate need of a place to stay!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23 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: AZ

Complaint narrative:
I have disputed medical accounts collections information, late payments reported by  XXXX  and an account from the University  XXXX   XXXX  that is not mine with no corrections.   My score went from being  XXXX  to  XXXX  within a couple of weeks with no changes to my Transunion credit report. When I called customer service they said it was because  my medical collections up dated which my understanding is the collectors can not update dates when I have not made any payments and nothing has changed on the collection accounts. However somehow they are able to report new dates and make the accounts appear to be new. I have late payments with  XXXX  which are not correct because I was only s ent one paym ent to pay and I was not made aware of a {$25.00} payment. I applied for income based payment plan and was just told to make  one p ayment and was never explained that my direct loan was a separate payment.  The U niversity  XXXX   XXXX  is reporting a charge off fr om 2001 th at is not mine and they have not communicated with me how this is my debt.

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 2017-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: TX

Complaint narrative:
I didnt received a letter or was never aware of such account in collection..

Company response to consumer: Closed with explanation