vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: DE

Complaint narrative:
I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have an account with XXXX XXXX. I paid my XXXX payment late. When I realized the payment was late I logged into their website to make a {$65.00} payment. This payment was consisted of the payment due of {$45.00} and a late feeAt the time the website stated that no other money was do until XX/XX/2018. Thus I paid the account based on the information on the website. I log into my account today ( XX/XX/2018 ) to make my monthly payment and it say I have a minimum do of {$90.00}. I begin looking to the activity section on the account, which is closed, and it says that I was charged a {$38.00} late fee and some extra interest for the month of XXXX. I call to inquire as to why a second late fee was accessed onto my account and was told that I short paid the last months payment. I tried to inquire as to how that is possible when I simply paid what their website stated like I have for the past three or four years. They told me that the paper statement that was mailed to me stated a payment of {$88.00} was due and not {$65.00}. Then I asked why their website stated on thing and a paper statement would say another for which I couldn't get an answer. I asked why would I not paid the extra {$23.00} to avoid them charging me {$38.00} as it doesn't make since. Then I asked can I not to rely on the information that is provided on the website and only on a paper statement, again receiving no response. I explained that I don't look at paper statements since most companies have gone completely electronic. I also explain why would I short pay my account when there is not one time in the accounts history that something like that has been done but no answer. Every question I asked was met with its on the paper statement. I even asked why have the information on the website if its not accurate or one needs to rely on a paper statement, again not response. My problem is if I rely solely on a paper statement and the website has different information which on is to be believed or does the bank get to pick and choose between the two in order to charge a late fee, by the way the account has not been late in well over a year and when its late its only due to the fact that I forgot and not that I have trouble paying the account

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 2018-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We are writing this in hopes you can help keep a family in their home. Please get Freedom Mortgage to properly review our loan for assistance options. The issue started in XXXX 2016. I had to leave work for almost half the year to recover from a XXXX that was necessary but we just couldnt have been prepared for. 

My family did what we could to make up the difference while I was recovering. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX, XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. Experian refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-28 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have several hard inquiries on my Experian specific credit report that I did not authorize and need removal : XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX   XX/XX/XXXX -XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/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 2018-02-28 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: CA

Complaint narrative:
I am a victim of identity theft, I have filed a police report/Sworn affidavit and have submitted this information to the three major credit bureaus as part of my dispute to show that I am not responsible for the debt that is reflecting on my credit report and dispute after dispute the credit bureaus come back with the same findings, saying they have confirmed and verified the information.

For example, I have two public records showing on my credit record as belonging to me, I State Tax Lien for the XXXX Of XXXX. 

The first record/State Tax lien is for {$12000.00}, the Second Tax lien is for {$51000.00}, according to the credit reports these items were filed on XX/XX/XXXX and XX/XX/XXXX respectively. But again I have proof these items don't belong to me and have submitted proof and documentation. 

I need help in clearing this items from my record because they don't belong to me, I am not sure how the credit report bureaus are verifying this 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 2018-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
Approximately on or near the XX/XX/XXXXXXXX after attempting to retrieve funds from my saving 's which is transfered from my Direct Deposit Checking Acct. by a payee each week to my saving 's acct. for which I am Dependant upon to receive monies for my personal needs I found My account had been Shut Down without Informing Me of such Changes which caused me to not be able to put gas in my Vehicle and it was after bank hours @ an ATM and I'm XXXX and I am unable to walk but for short distance 's at any given time and by me not being properly Informed of the closure that led to my pain & suffering by walking and making my way to a phone to get assistance it cause me a Major in crease in my other health issues as the weather was quite severely cold ended in my going to a hospital later that evening and 2 other visit 's as a result when my car ran out of Gas and for reason 's I later was informed had to do with a joke I had made while making arrangement 's for a direct payment for a credit card drawn from another bank they seemed unable to make arrangements to assist me with that should not have been a problem.. Also you may note I had a US Bank XXXX XXXX card with them and I had unauthorized charge 's made to it and had to replace the Card and when I needed to use it, I went to activate my new card I was informed much to my surprise as the service rep. said I had closed my XXXX Acct also. and I had not and again was Dependant on it's use of funds.. That were once Again not available to me by the said act 's of bank employee 's as a form of Harassment to Further the Harm to myself by their malicious action 's and personal Attach on me done willfully and with Full Intent quite Knownly for me now to tell the Joke and why I had said it ( I handed a unused XXXX to the teller and said " Have a Nice Day XXXX Someone.. Like you are doing to me! '' and as they took it from my hand I said " It's a Prop but if you'd like I Can fill that for you while I'm at it.. then at least we both could be Happy '' and Smiled and walk out of the bank with my Friend XXXX who heard and witnessed all the event 's I have mentioned and came out of pocket for the last Meal I was purchasing with my unactivated XX/XX/XXXX that I was denied to Validate on XX/XX/2018 with an available Balance of over {$750.00} I had to leave my New Cell Phone to cover the remaining {$10.00} owed needless to say I'm a XX/XX/XXXXand a Public Figure and it was quite embarrassing and the stress it caused was putting my life at Risk for how upsetting it was too me.. Very Uncalled for and I will be bringing Civil Charge 's also in this Matter if Criminal Charge 's are Not Filed here or Resolved to my Satisfaction.. for their misuse of Power

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: IL

Complaint narrative:
Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HomeTown Lenders, LLC
State: FL

Complaint narrative:
We were told onXX/XX/XXXX we were approved for a VA Loan by Home Town Lenders. The agent is XXXX XXXX who told us when asked three times if we were approved for the VA Loan. OnXX/XX/XXXX we were called at XXXX XXXX   to tell us that we were denied the VA Loan AFTER XXXX XXXX. Here we are with one day BEFORE the house appraisal to try to stop the bank from sending out the inspector. The inspector DID NOT check his E Mails and started the inspection we were told. So now XXXX XXXX says he sent XXXX mails to the bank but we were too late he had already started the inspection. So I asked what about my XXXX they debited from my account and his response was Well, since I had a short sale in XXXX and this is why we were denied the loan. Implying Had I told him I had a default this wouldn't of happen. A short sale is NOT a default. No telling him that. He then stated that we would be getting only back XXXX due to the inspector having started the inspection. He was keeping XXXX for his time. We were told that back on XX/XX/XXXX the bank sent out the check register mail. When We contact Home Town Lenders for our money all they say is check is in the mail. Here it is XX/XX/XXXX and still no check. I am on XXXX and can not afford a attorney.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
I met with the attorney at a hearing in XXXX county court, She was very helpful and suggested that I contact her firm to arrange a payment plan on a debt that I owe XXXX, I called RAS Lavrar , LLc XXXX XXXX and spoke to XXXX and after answering all the questions multiple times and not getting any results I asked to speak to a super viser, Had to wait in line for a while, ,Finally XXXX XXXX got on the line and asked me the same questions, I told her that I had all ready gave that information to XXXX, but she insisted and said that if I wanted to speak to her I had to answer all the same questions, Again I felt that this is a tactic they use to intimidate you, Now that I had answer the same repeated questions she hung up on me, She call me on my cellular phone just to check if my phone number was ok, She said that we lost connection ( Liar ) and she started to asked me the same questions once again,, i told her that it wa unprofessional to deal with them and I was going to file a complaint, C'mon this people should not be in business pretending that they are going to help you instead they play with your mind, your time, your integrity, " `To a point that you know that they are not going to help you whats so ever " " " " " " " " " SHAME ON RAS LAVVAR LLC XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX Shame on XXXX and XXXX Sincerely a very disappointed client of XXXXt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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 — Investigation took more than 30 days
Company: PNC Bank N.A.
State: IL

Complaint narrative:
this is for XX/XX/2018 car payment for PNC Bank. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
The Complaint that I am filing is about Shellpoint mortgage and the improper communication and treatment of us during trying to short sell our home which resulted in a foreclusure, and then also incorrectly filing credit information claiming that our account is still open with them to this day, when it was closed a year ago. We originally had our loan through XXXXXXXX XXXX. They sold it to Shellpoint. We tried to short sell our home and they did not tell us that we were not approved for a short sale until we had been trying for two years. We brought multiple offers to them and they failed to communicate with us. When we found out that we didn't qualify for a short sale the only option that was left was for us to foreclose. It took shell point 4 years to foreclose on our home loan. In which time we were just waiting around for it to happen. It finally foreclosed last year in XX/XX/XXXX, at which time the account closed. We found out that they were improperly reporting an account open on our credit last year and complained and called them to resolve it. They said that it was resolved. We checked our credit today XX/XX/XXXX and it says that they are STILL reporting that we have an account open with them that is in default. We talked to a Shellpoint manager and he said that this shouldn't be happening, but that's what they said last time and they never fixed it. Because of the way that this company has failed to perform it has hugely affected my family. The foreclosure should not have taken 4 years. My family is not able to buy a home. We are living in an apartment with XXXX kids now waiting for the foreclosure to go off of our credit and whenever we check the account is still listed as open. This is completely unfair credit reporting. We are perfectly able to buy a home and we would have been able to buy one if it were not for their misreporting and lack of communication. We are not even normally the type of people that default on payments and here we are still in an apartment 5 years later because of what this company has done to us.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
this is for XX/XX/2018 car payment for XXXX XXXX. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX, Navient XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission.

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