vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
As a mortgage holder of loan product from XXXX XXXX XXXX/XXXX that was so risky I had real hardships and struggles for close to five years until abput 2011. Not one loan modification program as subsidized by the government was allocated for my relief and it surely wasnt for lack of asking. I have to assert this time though that XXXX XXXX XXXX allow some principal reduction or forbearance with my toxic mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: NJ

Complaint narrative:
My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a   XXXX   Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against NCAC for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  MEDICAL DATA SYSTEMS INC for reporting credit information to the credit reporting agencies that was a  result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency an d have gotten little response. My official complaint is against PHOENIX FINANCIAL SE for reporting credit informati on to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  SOUTHERN MANAGEMENT for reporting credit information  to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is  XXXX   XXXX  from the great state if new jersey and I have been the victim of fraudulent credit reporting. inaccurate medical debt information has been shown as a credit liability in terms of suits and typical double-dipping of insurance which is an admonishable obimination of that greed. So much so it is illegal as clearly described in the free credit reporting act. Nothing is being done and this has SERIOUSLY compromised my ability to do business as a  XXXX . Please see that someone actually does something about this and not in the ridiculously short time the major agencies allow. I do not need   XXXX  . I need the parties responsible for this to remove the petty and destructive occlusions NOW and I furthermore feel I deserve compensatory damages.

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 2017-05-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Someone stole my identity an got items I did n't authorize. I disputed with TransUnion and  XXXX  but do n't feel investigation was performed fairly. I 've contacted creditors but they ignore my issue/problem. It 's acceptance and crescent bank. It 's their word against mines just because they say it 's my 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 explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Everytime I make a payment to a company wells fargo holds the money in my account for a week  or two and Im thinking the payment is already out of my account and wells fargo start charging me overdraft fee for {$35.00} and they keep charging me and I have to pay them back. I have the money in there but wells fargo delay taking out payments and it keeps saying pending for a week or two. They are scamming comsumers put of money. I went to the bank to complain about this to t he bank and they said this is the way the do banking.

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 2017-05-16 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: NY

Complaint narrative:
Fraud  on account   XXXX   and   XXXX   keeps changing the account numbers looking like there is multiple fraud cases but actually does this to keep breaking the block that was issued to my account with the police and identity theft report on file. On   XX/XX/XXXX     XXXX   in experian on a three way call to  XXXX  with myself and a women from fraud dept named  XXXX  deemed the  XXXX  and its charges fraud  XXXX .  XXXX  said  XXXX   XXXX  have your permission to permanently block this account she said yes. It was blocked and unblocked again by  XXXX  and experian refuses to keep it blocked. Now this is fraud. On   XX/XX/XXXX    XXXX  told me experian had a signed application from me opening account but did n't see it and could n't verify it and the account in question bears a totally different name with my social so how is that verified. The day on the phone  XXXX  said none of my info matched my complaint is against experian I pay go monthly identity monitoring and protection they head for hemselves the account is not in my name, but can be verified lies and experian called got confirmation from  XXXX  and told me I have no rights. Legally I thought I did! I am also on   XXXX   limited income. Also on   XX/XX/XXXX     XXXX   alerted experian that a totally different name appeared to my credit report due to   XXXX    card being unblocked and reporting fraudulent name to an account and social and warned them also and this alert locked me out of both credit bureaus because I was known as someone total else my address changed and name and I had to send proof if my identity to which I did to correct issue and experian still kept block off your kidding me.

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 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Commonwealth Financial ha s placed a collection on my   XXXX   credit report on    XXXX    2017  for {$240.00} without sending me written notification to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NY

Complaint narrative:
My name is  XXXX   XXXX   XXXX  and I applied for a loan on  XXXX   XXXX  with LENDING CLUB CORPORATION. After having a dispute over my monthly payments I defaulted on the loan.     I launched an  XXXX  dispute which I 'll include, since I was confused about my actual balance According to my credit report lending club reported  XXXX  on  XXXX   XXXX  as my CHARGED OFF balance. Since then I contacted This company on  XXXX / XXXX / XXXX  and they provided me with a charged off amount of {$5300.00}. So clearly my balance was adjusted even though I did not make any payments during that period.     NOW, my real issue is my current balance as of  XXXX / XXXX / XXXX  is {$4700.00}, with a past due amount of {$780.00} and every time I call, this lender will give me fluctuating balances.     I made  3  payments in  XXXX  and requested a monthly statement they expressed no monthly statements are provided on a Charged off loan. I refused to make anymore payments until I received an accurate amount but again this is hurting my credit even more.     Can you help me request monthly statements from this lender. Then an updated amount as payments are received would also be nice. I feel like I 'm being robbed based on their unfair practices and they refuse to creat e paper trail.    Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank  XX/X/2014    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Secured Debit Card {$300.00}   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   Closed account Told, I would get a check in two ( 2 ) weeks in the mail. ( 2 wks. )   XXXX   XXXX   I was told the check would be mailed out in the next billing cycle, ( 3 wks. ) on "   XXXX   XXXX   ''   XXXX   XXXX   I was told the check was mailed Friday,   XXXX   XXXX   by  XXXX . ( 8 wks. )   XXXX   XXXX   Receive Check ( 9 wks. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lustig, Glaser & Wilson, P.C.
State: RI

Complaint narrative:
ON XXXX/XXXX/XXXX and XXXX/XXXX/XXXX i have recived those summons pertaining to credit card debit, from law offices of lustig , glaser & wilson , p.c . in XXXX ma. XXXX, i was told to call the office and i did and i explained my situation that im in finacial hardship and a dependant living XXXX, they told me to send a written statement saying what i had just said, so i did, i called back to see if they had got the statement, no answer to the question, then they proceeded to tell me to read the summons and sign it, i had told them there was no where to sign, so they said they would send me something to sign ( not telling me what after asking ) i had received it signed notized and sent back, IT WAS A STIPULATION OF JUDGMENT )., i got a letter staying that they never got the stipulation of judement i sent, but i made copies.. I called and they told me dont worry about that., after not getting any answers i called a voluntary law office free of charge to ask a question about this, he told me i should have gone to county clerks office to let them scan the summons in, so, i went on line to the XXXX court portal and found they had won one of them, the other was still open, i went up and had them scanned, And then i got a FINACIALl statement from them to fill out.I had no court date, they just did all this without my knowledge., now i find out the other summons they sent they won, after all i had gave them, a written letter, they requested, a stipulation oF JUDGEMENT i new nothing of what it meant, and now a FINACIAL statement stating that that i failed t make satisfactory payment arragments with them ... they had already won and i had no court case., no knowledge of them even going., i have not filled the finacial statement out, i feel that they did not follow the rules of the law and just decided to do what they wanted without me knowing, i have made a complaint with attorney generals office in mass, and explained it to them, i barely get by .now they do this, getting away with an action i was unaware of., so they won both cases, and i was not present for either one nor did i know of anything else that they did.,

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We execute d a Home Affordable Modification Agreement that  was booked on  XXXX   XXXX ,  2017 . At that time, our escrow amount was {$140000.00}. Escrow per our account statement dated  XXXX / XXXX /   2017  is {$1500.00}. T he Modification Agreement clea rly states that the estimated monthly escrow payment amount adjusts annually after yea r 1. It also clearly states that our total monthly payment of {$3200.00} adjusts annually after year 1. We have not completed year 1 and our monthly payment has incr eased to {$3300.00} which was due on  XXXX / XXXX /   2017. It has not been a year since we signed the Modification Agreement and our total monthly payment and our payment for escrow has increased. We would like to understand why our escrow payment and total monthly payment has increased four months after signing the Modification Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I applied for an investment property mortgage with Quicken loans. I was told by the loan application processor that I had a range of options for determining my interest rate by selecting points that I paid or received. I selected to receive  XXXX  points credit in exchange for accepting the highest interest rate on the spectrum. When my interest rate lock came through, it listed me receiving  XXXX  points instead of the  XXXX  I was told I would receive. When the disclosure papers came through, it had me PAYING  XXXX  points with the still highest interest rate. I was told by  two different people at Quicken that it was just a simple error and they would correc t it. They took off the  XXXX  points, but offered me no credits. I then spoke to the  Director of Mortgage Banking at Quicken who ( verbally ) told  me that they could n't honor the  XXXX  points because it was an investment property but he would issue me a credit in the amount of {$1400.00} to pay application and processing fees. On the day of closing,  Quicken st onewalled my attorney and the title company about providing final closing numbers and delayed the closing by  three hours. By  the time the final numbers came in, the credit they issued was {$1100.00}, not {$1400.00}, or even the amount that was guaranteed in my rate lock paperwork which is now archived and inaccessible to me. The original amount I was told I would receive in credits was {$3700.00}, the points I was told I would be credited wa s ~ {$1 400.00} and the credit I was told I would receive was {$1400.00}. The person at  Quicken who submitted the final numbers did n't know anything about any credits beyond the {$1100.00} and the Director of Mortgage Banking did not return my call when I tried to get clarification at closing. Quicken loans acted dishonestly and in bad faith   throughout this process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
FedLoan Servicing, who took over my debt from a prior lender, has created a slew of problems that has lead to a gradual increase on the principal of my loan. Primarily, the issues have been with long delays in initiating a loan repayment plan, which has forced me to forbear my loans on multiple occasions during which periods interest accrues.     On the first of such occurrence, after the end of the tax year, monthly payments suddenly increased substantially without any warning whatsoever. Because I was on a plan that used automated debit, an amount exceeding the balance of my checking account was automatically withdrawn, creating a major inconvenience for myself until the issue was later rectified. The subsequent process to forbear the loan, await approval of a new payment plan, and restart payments was unreasonably long ( > 3 months  ).      The second of this occurrence developed during which new tax information was submitted in a timely manner, however, the approval process was again delayed for an extended period of time  ( ~2 months ).      On the third occurrence, the approval process took 3 months.     By comparison, I have other lenders that express little or no difficulty initiating an appropriate payment plan without the need to forbear my loan and accrue interest. This practice has lead me to believe that this is a deliberate action on the part of FedLoan Servicing in an effort to collect more money over the life of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Around XX/XX/XXXX I sent an dispute letters to XXXX, Equifax,  and XXXX disputing about the following inaccurate information : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX Around XX/XX/XXXX, I called all credit bureaus for updated investigation status. I was told by XXXX that they had received the letters, but has not gotten to investigating XX/XX/XXXX yet, but was behind in the mail so they were still investigating XX/XX/XXXX. Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX.I was told by the apartment complex that this same information disputed in XX/XX/XXXX was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all 3 credit bureaus. In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help. Thanks XXXX XXXX

Company response to consumer: Closed with explanation