vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 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: CA

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection I do not owe is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
In response to my complaint XXXX, TUI has issued me my credit report ( file number : XXXX ) free of cost and advised me to buy my credit score in that. I bought my credit score and grade by paying asked price. But my credit score and grade is misleading as it contains incorrect information. The reasons being that this credit report and hence score, does NOT show my past home loan mortgage account, does NOT show my various credit cards like XXXX, XXXX etc accounts, the longest held credit account is more than two decades old but still report hence score is complaining about insufficient credit history. XXXX has forcefully closed my account to malign my credit reports hence credit score as it is clearly evident for TUI case as it states NO open accounts on credit file. XXXX did NOT listen to me sympathetically in near past although I was never delinquent and late in paying my dues. So given all of this, I will make an earnest request to take up the matter with XXXX and reinstate my credit card account and further and more importantly it should find all the other relevant past accounts for myself credit cards, mortgage account and recompute my credit score for now and going forward. Thanks in anticipation. Further information will be provided on specific asking/s.

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 2019-10-17 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:
Transunion is reporting incorrectly a charge-off in the amount of {$860.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have no idea what this account is in reference to and/or who this creditor is. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this line item however, I have not been successful.

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 2019-10-17 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:
On or about XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( SLS ) informing me that I was in default of my HELOC loan and risk of foreclosure. I had not heard from SLS since XX/XX/XXXX when the loan was assigned to them. During this time I have not received monthly statements or any type of demand for payment until XX/XX/XXXX. In XX/XX/XXXX, I submitted a request for mortgage assistance from SLS and had not heard back with an outcome from them. On XX/XX/XXXX, since I had not heard back from SLS I sent them a letter offering to enter into a settlement agreement, I offered {$2500.00} to have the Deed of Trust securing the debt released ( full reconveyance ). Then on XX/XX/XXXX, I received a " Mortgage Relief Option '' on XX/XX/XXXX. I immediately contacted SLS to discuss the terms of the relief option, I asked why they listed an amount of {$60000.00} to be repaid vs. the reported balance owed in the amount of {$41000.00}. When I contacted SLS no one could give me an explanation of the sum. On XX/XX/XXXX, I wrote to SLS and requested they provide a breakdown of the {$60000.00} and what legal rights they have to collect on this debt, six years have gone by and I have not received a monthly statement or demand for payment. 

In XX/XX/XXXX, my husband and I filed for BK. Ch. XXXX which resulted in a discharge of debt. 

I have concerns as to why did SLS waited six years to make an attempt to collect on this debt, why I haven't received a monthly statement from SLS, can SLS collect interest on this debt from date they acquired loan ( XX/XX/XXXX to now ), is SLS targeting properties that now have equity in order to foreclose, how many homeowners have been threatened or are at risk of foreclosure by SLS ' deceptive collection tactic. SLS stopped all attempts to collect on debt until the property had equity. 

I have not heard from SLS since XX/XX/XXXX to now. No statements, no demand for payment. How can they collect interest for past six years without any notification to the borrowers. 

I believe that SLS collection practices are abusive and violate TILA and FDCPA.

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 2019-10-17 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: Synovus Bank
State: RI

Complaint narrative:
Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and XXXX, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of First Progress Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: CA

Complaint narrative:
Equifax is reporting incorrectly collections in the amount of {$48.00} ; {$42.00} and {$28.00} on the XXXX XXXX XXXX account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report. ) These accounts were billed incorrectly and should have been submitted directly to the provider. ( I have attached a copy of my insurance card for reference. ) I had insurance coverage at this time. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Harmon Law Offices, P.C.
State: MA

Complaint narrative:
This business is the foreclosing representing law firm for XXXX XXXX XXXX Bank, NA and presently about to illegally foreclose on my home advertising in my local newspaper XXXX XXXX XXXX today or tomorrow, with false information. Please see attachment showing document expert proving that there aren't any Negotiable Mortgage And Promissory Note documents to legally foreclose on but are moving ahead anyway. This must be Stopped! 
Please also see the notice of foreclosure using wrongful illegal information slandering me publically and deformation of character etc ... BOTH THE PROMISSORY NOTE AND MORTGAGE ORIGINALS ARE NOT NEGOTIABLE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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:
I have Been A Victim of Identity Theft

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 2019-10-17 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: FL

Complaint narrative:
I have Been A Victim of Identity Theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My home was broken into and the personal information of myself and my spouse was stolen. After we reported the incident, a few months later we receive a collection letter in the mail for an amount of XXXX. We went to the originating company and advised them that it was fraud and they were not willing to help us and stated that they already sent the file to the credit collection company and we would have to deal with them. We have reached out to the credit agencies and provided police reports showing that it is fraud and they are un willing to help, even when the first thing their recording says when you call to speak to them, " We are only collecting a debt that you owe '' and I do not owe the debt because it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NORTHERN HILLS COLLECTIONS INC.
State: MS

Complaint narrative:
Repeated calls from Northern Hills Collections agency. Idk what the debt is about. I have told them several times to stop contacting me. They have now started calling my girlfriend and her family members to talk with them about me. I don't even know how they got their numbers. This is unacceptable and has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TX

Complaint narrative:
Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, Transunion, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.

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 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Went to the branch with a copy of the front & back of paid item showing it negotiated by a party other than the payee. Requested that they return the check for lack of a proper endorsement. The manager stated it was not the bank 's policy to return the item and that the " injured party '' or payee had to come to the bank to file and notarize an affidavit. 
This is my company 's trust account. The funds were due the payees per a contract. The bank is allowing an illegal act to be perpetrated by not returning the check to whomever accepted it from the party to whom the funds were not due.

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 2019-10-17 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: RI

Complaint narrative:
Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and Transunion, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of XXXX XXXX Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.

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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
We were offered a trial modification in XX/XX/XXXXof which we accepted. The trial payments as stated in the offer requested three ( 3 ) payments, but we received a letter to continue making the payments until we received the final modification documents. 
We made five ( 5 ) payments of {$2600.00}. 
XX/XX/XXXX - Debit - Transaction-XXXX XXXX, XXXX - Debit - Transaction XXXX XX/XX/XXXX - Debit - Transaction - XXXX XX/XX/XXXX Pmt Made with Representative - Comf . XXXX XX/XX/XXXX Pmt Made qith representative - Comf. XXXX As of XX/XX/XXXX There was a suspense amount on the account of {$42000.00}. 
XXXX XXXX we called to make the XX/XX/XXXX payment, we could not make any payment. 
Why? we asked but we were told that they were waiting because the modification was complete, and there was in fact a suspense amount ( {$42000.00} ) on the account that would be applied for XX/XX/XXXX payment. 
We waited all of XX/XX/XXXX, we did not receive any documents as promised. We kept in touch to make sure we were getting the modification and they assured us it was complete. Finally on XX/XX/XXXX, we received the modification documents with a request to return them by XX/XX/XXXX. 
According to the Modification documents, Our first mortgage payment was due on XX/XX/XXXX, however we received a Notice of Default on our Mortgage before we received the executed Modification Agreement, from that point on we have to fight to make the payments. We had to call in to make the payments and get a supervisor to ok the payment. We mailed in some of the payments. 
Then starting XX/XX/XXXX received a default statement showing that we owed {$12000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$3100.00} XXXX XXXX {$3100.00} According to the Modification Agreement our payment was {$2600.00}, when did the payment change? 
The second statement for XX/XX/XXXX came stating that we owed {$8900.00} showing payments of : XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$3100.00} XX/XX/XXXX - {$2600.00} With a suspense amount of {$610.00} We have tried, over and over again, each representative we have spoken to has advised us to have the situation investigated, they could not see any reason why the account has so many changes in the amount of the payments. 
There is noting in the modification agreement that shows the payments will change each month. 
We received another statement XX/XX/XXXX XX/XX/XXXX - payment {$3000.00} XX/XX/XXXX - payment {$2600.00} List of all payment from bank receipts will follow by fax. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
From the time Business account # XXXX and my Personal Account # XXXX were opened until the present day, I have never authorized ( Predatory ) " Overdraft protection '' on any account. 

I have repeatedly asked that Chase bank stop allowing " ACH debits '' when funds are not available. I call Chase to have as many of the fees reversed as possible as much as possible. 
Chase employees have a limit on the number of fees that they will reverse. Chase is giving me many predatory loans every month. on occasion amount debited is as low as {$7.00} and the overdraft os {$34.00}. 
Chase charged as many as 5 overdrafts or more in a day. In a month it is an average of {$400.00} or more per account. 
I am being given short term loans I can not afford and I did not accept. The robbery has the consequence of ruining my ability to pay my other obligations. This is hurting my credit, my future, and my family. 
The Chase bank owners are taking a house payment amount from me every month. This issue is urgent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid {$1300.00} for 100 backpacks using PayPal 's service. The seller did not " ship '' my product, but instead sent me fake tracking info. I paid {$1300.00} for 100 backpacks using PayPal 's service. The seller did not " ship '' my product, but instead sent me fake tracking info. PayPal refuses to refund my money, despite the seller clearly defrauding me out of {$1300.00}. Case # XXXX Account ID : XXXX XXXX

Company response to consumer: Closed with monetary relief