vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am protected by chapter XXXX bankruptcy from having creditors report me as late or showing a balance that is inaccurate. on my experian credit report XXXX accounts, XXXX are shown as reporting late payments and balance due. The accounts in question both note that I am a chapter XXXX wage earner. these accounts are reported correctly on my XXXX report but are not accurate on experian or XXXX. Per my bankruptcy confirmed in XXXX 2013 both of these accounts are included and should be reporting no late payments and XXXX balance. I have made all my bankruptcy payments on time to my trustee and i believe that this is a violation of the fair credit reporting act. This is causing an issue. i am trying to get an fha streamline loan and this inaccurate information is preventing me from moving on with my credit recovery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Supreme Lending
State: TX

Complaint narrative:
My family and I wanted to buy a new home. We got Preapproved from XXXX XXXX with Supreme Lending Services. I was very clear from the get go, that we would not sell our home that we have been living in for the past 11+years, if we could not buy another home. It was promised to us that we had everything that we needed to close on home, no problem. So we started to look for a home. We found XXXX and when it came to closing the underwriter from Supreme Lending stated that all we needed to close was XXXX bank statements, and to pay off a couple of assets. This was presented again, but to us ( XXXX and XXXX XXXX ), my realtor, the sellers ( husband and wife ), and sellers realtor on a conference call with XXXX XXXX ( Loan Officer ) that we were already approved ALL we needed was XXXX bank statement from new bank acct, and to pay off a couple of assets. When the XXXX bank statement that we were waiting for came in we were ALL under the impression that we were going to close, but at last minute we were DENIED DUE TO PAYMENT SHOCK!!!! This was a SHOCK to us all of us, because this was never mentioned. Now me and my XXXX kids ( XXXX XXXX. XXXX XXXX ) this issue has put us in a position that we maybe losing our fostering license. It takes time and money to have another home study to keep compliance for holding fostering license. Not to mention XXXX dogs that just any rental will allow to keep. 
We did everything in our power to do as the loan officer XXXX XXXX with Supreme Lending instructed us to do, and we did it at a timely manner. She did not know what she was doing, and she lied to not just to me and my husband but to both realtors and sellers involved. Every time we ( XXXX ) spoke to XXXX she needed something different from us, because something new came up, so we were told. I then started to talk to XXXX another employee at Supreme Lending because I became worried. She also said that we were close to closing, she does not see any reason why we would n't be able to, she also spoke with the sellers as well. I have many of text messages and conversations that this was uncalled for, and the outcome was ridiculous. 
We, the sellers and I had been told numerous times that we will be closing next week, but next week never came. This has not only left my family and I homeless, but also have put the sellers into a lot of grief, they also will not be able to close on the home they had built for them. This has been a stressful and devastating situation for both families involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The information that is being reported to my credit report is incorrect. Credit reporting agency will not give source of information to verify. Shows XXXX state tax liens and bankruptcy. I have repeatedly disputed this information and continue to get the same answer without a source. I have contacted the Clerk of Superior Court and they state that they do not report to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
The servicer will not allow me to short sale my home because the recent winning bid cancelled do to poor due diligence and realized they had offered too high. This is no fault of my own. This was the first auction that had the more realistic minimum bid at {$610000.00} and sold for {$750000.00} but the buyer saw the condition of the home ( after winning the bid ) and immediately cancelled due to the condition of the home. The previous auctions were for {$860000.00} as opening bids and received no bids. 

The servicer asked me to submit any offers and I did send the accepted offer ( there were many offers between $ XXXX- {$64000.00} at previous times. The accepted offer was at {$610000.00} and that buyer can still buy it but the servicer wo n't allow the sale unless by auction. 

I just want to sell it to avoid foreclosure and we have an accepted offer outside of the bidders from the recent auctions but none will pay higher than {$640000.00} due to the condition of the home. 

Normally sellers can accept and offer and present it to the banks for a short sale approval but to date there have been many mistakes by buyers and the bank ( none from the seller ) that have prevented the short sale to close. 

If the auction is done again or use the existing offer then a short sale can be accomplished and foreclosure can be prevented. 

I only want to do what is best for everyone but it has to be done correctly. Please contact my servicer and have them allow the short sale. 

Thank you auctions had been done in the recent past to obtain potential offers but the asking prices have been way beyond what the property is worth so there have been no offers at what the servicer has asked as the opening bids. The most recent auction started with realistic minimum bid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Nothing happened, I sent the info in via mail no reply and the items are still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have over {$80000.00} in private student loans from Navient alone. My student loans total over {$150000.00} altogether. I have been dealing with XXXX XXXX, now Navient for 6 to 7 years now. I have been in deferment, extended my payment terms, gone on income-based repayment plans, and gotten reduced interest for a limited amount of time so I could afford to pay my student loans. This last year my private student loans went up to {$640.00} a month and I called to get back on some sort of reduced payment plan. I had to provide details like how much I make and all the payments and costs I incur month to month. I was told I was not approved to get the help because I had too much disposable income. Let 's see, I take home roughly {$1600.00} a month. I already pay {$700.00} in student loans not including the {$640.00} they wanted me to pay. I do not pay rent or utilities because I have to live with my mom so I can afford to pay my student loans and other bills and necessities. They estimated that if they included the {$640.00} in my monthly payments, I would have {$100.00} surplus. What if I needed to go to the doctor and pay for a couple prescriptions? That could easily blow through that " disposable income. '' When I told the Navient employee that was n't much to live on, he said, " well you do n't pay any rent, or utilities or anything like that. '' This upset me and I told him, " I do n't want to live with my family, I do so so I can afford to pay my student loans. So are you telling me that I can move out and rent an apartment and live the way I want, and because I am spending more that can not go towards student loans you would be able to lower my interest rate and payments? '' He said, " Well I probably should n't say this but yes. '' I hung up the phone and started crying. I keep trying to do the right thing and make it work and they are no help. I have been struggling to pay the {$640.00} for months now and I just realized that entire amount is going only towards interest. I just received my Student Loan interest statements for 2016, and I paid over {$13000.00} in student loan interest, and probably paid less than {$1500.00} in principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Speedy cash offered me a loan of XXXX then took XXXX from me and when I wanted to cancel loan thru charged me another XXXX they scanned me I never recieved my loan.

Company response to consumer: Closed
Consumer complaint received 2016-05-26 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Tried to apply XXXX Credit Card and my Credit check was done by Experian Credit agency ( XXXX ). My application was declined by saying " Unable to verify SSN ''. 
this is not fair because my annual Income is above XXXX and I am a prompt payer of my XXXX Credit card. 
I want you to look into this matter and take action.

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 2016-10-17 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted my request for my free credit report online to Experian they did not make it available. They stated I could pay a dollar and get my FICO Score. After paying {$1.00} I did get a report with no FICO Score Membership ID XXXX, It states Credit Report Prepared for XXXX XXXX as of XXXX. I wanted to dispute XXXX account XXXX XXXX which I did not have in XXXX, Another Disputed account XXXX XXXX XXXX who I corrected with the help from your organization and should have been cleared it was closed. by XXXX XXXX to avoid litigation. Also I wanted to dispute XXXX from XXXX. 
All though this information came from them when I wanted my credit report they did not provide it nor the credit report number so I could dispute the above information. 
All of my information was confirmed to them current address, XXXX XXXX XXXX Address in XXXX, Telephone number ending in XXXX. 
All I want is my full Credit Report guaranteed by Law so I can see exactly what is being reported. They did get the extra dollar to tell me I do n't have a FICO score.

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 2016-01-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
I had been receiving silent, nuisance calls from this agency for weeks. When I called back I learned that they are attempting to collect a debt for XXXX XXXX XXXX, a community college I attended which misrepresented information regarding my student financial aid award, now resulting in a balance due to their internal failed process, inaccuracies and practices. I informed ConServe that I do not owe the debt and that I have a complaint pending with the FL DOE and am in the process of going through litigation regarding this alleged debt. I demanded that they cease and desist in the meantime, and advised them to return the debt to the college since I do not owe it and would not discuss the matter further with ConServe. I was abruptly informed that they would in fact continue to pursue me for the debt until I paid. I was then badgered for a further XXXX minutes in an attempt to bully me into paying the debt which I do not owe. Immediately following the call I sent a written Cease and Desist letter and mailed it off to their address found on their website. Since that time I have not received any further calls, however my spouse is now receiving the silent calls and my mother-in-law has sent me letters in the mail which they have mailed to her home addressed to me. As I have explained to ConServe, I will not hesitate to pursue legal action for failure to act in accordance with the FDCPA and applicable federal and local laws. This school yard bully tactics and unlawful collection practices is becoming a nightmare to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ChapXXXX Bankruptcy discharged all debts. Bankruptcy was filed XX/XX/2016. Equifax refuses to change my open collections to CLOSED. I have disputed the information 4-5 times online and via fax 2 times. Equifax continues to report accts as open collections They have updated the language on the accounts to include " bankrupty- undesignated chapter '' in the remarks section and they have changed the balance to zero, However Equifax refuses to correctly report the accts as CLOSED. 
The accts ARE closed and EQUIFAX should be reported as such. Reporting it any other way is falsifying information. An open collection acct has a negative impact on my score. There are XXXX accounts that EUIFAX is reporting as open : 1 ) XXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX 2 ) XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX./Orginal Creditor : XXXX. 
It should be noted that I am making a cross complaint against the above listed creditors as they have repeatedly reported the information incorrectly to the CRA 's they also have been asked to update and report the accts as closed. If the creditors and the credit reporting agency continue to falsely report the accounts as open, I will follow up with lawsuits. The debts were discharged in bankruptcy. The accounts are closed and should be reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Action Collection Service
State: ID

Complaint narrative:
I received over XXXX phone calls from debt collector and with each phone I requested a written verification of what the debt was and how much the total was for. Each time I was assured that the notice would be sent, I verified they had the correct address to send me said written verification. I have never received anything in writing from them, only phone calls and at times harassing phone calls calling me " stupid '' and threatening legal action. The agent 's name was XXXX, and he called me in XXXX of 2015, he became abusive and aggressive when I told him I needed one more week to satisfy the " verbal '' agreement I made with XXXX in XXXX of 2015 to whom I made a {$200.00} payment. The agreement with XXXX that was again asked for in writing, and was never received, XXXX stated " there is no XXXX and you are stupid to think that anyone would make an agreement with you that is why you will never get anything writing, may you should have died in your accident to make this process easier ''. 
I also have paid {$700.00} to date on the account and was told that I had satisfied this account upon the last phone call from them in XXXX of 2015. I requested this account be removed from my credit report as satisfied I was told " thank you for the payment, and we will do this ''. I again requested that I receive a " paid in full '' statement from them, I was assured that it would be sent and yet again there was no written correspondence. This company does not send out notification of debt to collect, they will only call and then not honor any agreement that is entered in to, nor will they give a terms agreement in writing. They also hold accounts over that get payment on for several years or months to gain more interest to charge to the customer. I have been told by agencies who previously utilized them that " They never remove themselves from anyone credit report, they just wo n't do that ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have request that is bankruptcy be remove off my credit report many time. 
This is not mine. Please see below. 


Reference Number XXXX Date Filed XX/XX/XXXX Date XX/XX/XXXX Status Dismissed Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details GEORGIA FEDERAL COURT-XXXX XXXX XXXX, GA 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 2017-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
My mortgage is currently held by XXXX via Loancare at XXXX, XXXX, VA. I received a letter dated XX/XX/XXXX from Loancare stating that my escrow account was short {$2500.00}. I found out that my homestead exemption had been filed in the wrong county and had the error fixed. I then provided Loancare the exemption details in an email dated XX/XX/XXXX. I heard nothing for two weeks. I called on XX/XX/XXXX, and was told they needed a copy of the bill they had sent me. I provided this to them in an email XX/XX/XXXX. I waited again and heard nothing. On XX/XX/XXXX, I called and was told they " needed further information '', but they provided me no details on what the information was or what their plan was to collect this information, and whether or not they intended to get it themselves or if I was responsible for providing it to them. They informed me the problem had been " escalated to management ''. I called again on XX/XX/XXXX and was told management should have it resolved by " tomorrow '', XX/XX/XXXX. I have still heard nothing, nor have I had any communication from the company other than automated calls telling me I have to pay them. Due to this escrow miscalculation, the company is demanding that I either write them a check for {$2500.00} to cover my escrow shortage, and that if I take this action, my monthly payment will increase from {$1000.00} to ~ {$1200.00}, or that they can collect the shortage and build enough for next year by increasing my payment to {$1400.00}, a nearly 50 % increase on my monthly payment. I have looked into reviews of this company on several different websites and believe that this is their standard practice, intentionally muddying the waters and delaying escrow assessments in order to make money off homeowners who had no choice when our mortgages were sold to what appears to be a very disreputable company.

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 2015-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I just received Bank of America 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a " Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a dispute with Experian. They are wrongfully, maliciously and illegally reporting a debt from XXXX XXXX XXXX that is invalid.1 ) XXXX XXXX can not or will not prove letters of notice. 2 ) Original debtor ( XXXX XXXX XXXX ) will not and can not discuss this bill as it is too old. No longer even a valid debt! 3 ) I had no knowledge of this debt until I started monitoring it. 4 ) I have been declined credit, subsequently having a negative impact on my score as a direct result of Experian 's wrongful acts -- suffered damages! Experian will not allow me to state all of my evidence. 4 ) Creditor XXXX XXXX refused to send me any supportive information that I requested in XX/XX/2016, XX/XX/2016 and XX/XX/2016- past 30-60-90 day requirements! There are XXXX or more legal reasons that I 've attempted to give Experian and they deny removal based on " preformed '' statement issues in XXXX sentence that do not accurately describe what has transpired. I have provided XXXX LEGAL reasons to have item removed according to the FTC. Both XXXX and XXXX have removed this item. Experian is intentionally allowing it to remain- INTENTIONALLY affecting my score in a negative fashion. I have been diligently attempting to increase my credit score- perhaps to purchase a home XXXX day and can not move froward due to Experian 's illegal Credit Reporting tactics. I will contact my local legislator and the FTC with regard to this matter. Again, there is not XXXX but XXXX reasons set forth by the FTC ans CFPB to have this removed and Experian refuses or affirms incorrect report information KNOWINGLY! I believe that because I wo n't pay their costly membership fees, that they are purposefully not cooperating with me- if true- fraudulent business tactics on its face! Please help/advise me. 
Thank you for your time and consideration regarding this matter, 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