vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had Two morgage back started in XXXX, in year XXXX we had issue in employment lost and burgary in house as a result we filed the application with XXXX  XXXX XXXX and received approval for six month payment hold however XXXX  XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX  XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: NJ

Complaint narrative:
I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXXwe had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.

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 2018-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I am authorized to handle the business for two loans recently paid in full where the mortgage account is in the estate of my father and stepmother. The escrow refund checks were made to the estate and sent to me. We no longer have an estate account closing the estate in XXXX. I asked Nationstar ( now Mr. Cooper ) to deposit the funds directly into the checking account used to pay the mortgages for both loans. This request was denied. I was never told it was denied until I called inquiring why the transfers were not completed. I was then told to resend the power of attorney document showing I was authorized to conduct business for the two loans. A company representative sent me an email on XX/XX/XXXX stating the information was received and the original checks would have stop payment and new checks would be issued in my name in 3 to 5 business days. I called today XX/XX/XXXX to check on the status and was told by a different representative she didn't see where the power of attorney was received and we could start the process all over again to get new checks. Please note that I sent this power of attorney document to this mortgage lender 1 to 2 years ago to gain access to the loans for conducting business. Also note the first loan was paid in full in XX/XX/XXXX. I am still waiting to close out the escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 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: MA

Complaint narrative:
I have provided the following information to XXXX, TransUnion, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and TransUnion. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and TransUnion credit reports to correct the information in my file. I have disputed this item with XXXX and TransUnion and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to XXXX and TransUnion. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

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 2018-02-24 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: MA

Complaint narrative:
I have provided the following information to Experian, XXXX, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from Experian and XXXX. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my Experian and XXXX  credit reports to correct the information in my file. I have disputed this item with Experian and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my Experian and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to Experian and XXXX. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

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 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.

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 2018-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accelerated Financial Solutions, LLC
State: TX

Complaint narrative:
Received notification that a Collection account from ACCELERATED FINANCIAL had been placed on all 3 major reports named as XXXX   XXXX, the account went delinquent 30 days or more in XX/XX/XXXXand was never brought current, after numerous calls & even uploading a credit report dated XX/XX/XXXX reflecting the account should be removed as of XX/XX/XXXX, due to First Date of Delinquency. advised after numerous calls the debt was no longer collectible & should be immediately removed to which the suggestion was made they say you owe it, I going to offer you the lowest possible offer I can to get this squared away can you pay {$500.00} & this will be taken care of, I advised I would not as this debt is no longer collectible.I find it disheartening that information can be added to reports just by simply sending to credit bureaus after this my scores dropped 40,29 & 31 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX  in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Please check all the information the attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. 
The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person. 
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person. 
The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address. 
The Credit Reporting companies effect an erroneous change of address for two people. 
There is a potential for ID 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 2018-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
CITIBANK CREDIT CARDS HAD AN ORIGINAL LINE OF CREDIT WHICH WAS DECREASED ARBITRARILY, RESULTING IN LOWER FICO SCORE. ( I.E. XXXX CARD {$5000.00} CREDIT LINE - CHARGES OF {$1500.00} - 31 % DEBT RATIO & SCORE OF XXXX. WHEN BALANCE WAS PAID DOWN TO {$1100.00}, CREDIT LINE WAS DECREASED TO {$1300.00} - CREATING A DEBT RATIO OF 91 % XXXX XXXX CARD - ORIGINAL CREDIT LINE AT {$2000.00} WITH CHARGES OF {$600.00} 30 % DEBT RATIO - THEN DECREASED CREDIT LINE TO {$500.00} INDICATING BALANCE OVER CREDIT LIMIT! MY FICO SCORE HAS DROPPED TO XXXX! ALL PAYMENTS HAVE BEEN MADE ON TIME, SOMETIMES EARLY, AND FOR MORE THAN THE MINIMUM AMOUNT. IS THIS HOW PEOPLE WHO PAY BILLS ON TIME EVERY MONTH ARE TREATED? HOW CAN ANYONE COUNT ON ACCURATE CREDIT SCORING WHEN CITIBANK IS USING UNETHICAL PRACTICES?!?!?

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 2018-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
Thank you for looking into this on my behalf. My husband has had similar issues with his student loans, also managed by PHEAA. We are both in the Public Service Loan Forgiveness Program, and making  Income Based Repayments through the Revised Pay As You Earn ( REPAYE ) program, and are around 3-4 years into the 10 year requirement. Per their site, I am currently at 40 PSLF qualifying payments made out of the 48 I have made, he is at 25 out of 51 payments for grad school ( if his XXXX were submitted when my last one was in XX/XX/XXXX, he would be around 36 ), and 41 for his XXXX   loans that he has been paying on since 2005 ( since approximately XXXX with PHEAA, XXXX XXXX previously ). 

All we want is a list of payments made ( which they do provide ) and a notation whether the payment was ultimately deemed as PSLF qualifying for our records ( which is impossible to determine - they only give us a total IE payment made XX/XX/XXXX - PSLF Qualifying, payment made XX/XX/XXXX - Not PSLF Qualifying { because no XXXX has been filed yet } ). 

For some reason, getting this level of clarity from PHEAA on this has been like pulling teeth, and it is hard to fathom why this would be so difficult for them to provide. On the site, they break down payments into amazing detail - but not this detail. We have both made requests of this nature, and only seen one document one time that provided this level of detail - and this was only provided after multiple requests. 

My most recent XXXX Certification letter dated XX/XX/XXXX indicates for example that from the dates of XX/XX/XXXX through XX/XX/XXXX my employment was qualifying for PSLF, but there is no clarity on how many of my payments made during that time period were PSLF qualifying. All documents of this sort dated prior XX/XX/XXXX are no longer available to download or view via their site, so I can't access older certification forms. 

We are trying very hard to comply with the requirements of this program, but find some details challenging to discover outside of the verbal guidance of a person in their call center. We prefer clearly written instructions so there is no room for confusion, or later being told we did something incorrectly when we followed their guidance ( which has happened already - IE no one told us that if you made payments prior to the statement for the month being generated, even by one day, they would not be " qualifying '' until after my husband made a few payments 25-28 days before the due date and inquired as to why they weren't counted as " PSLF qualifying payments '' ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
These debts have been reported to Commonwelth Financial in Pa. The Original creditor is XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 1.. XXXX XXXX. 2. XXXX. XXXX. 3. XXXX. XX/XX/XXXX. I have contacted XXXX XXXXXXXX XXXX XXXX XXXXXXXX they said they have nothing in my name. XXXX XXXXXXXX XXXX XXXX  XXXX is XXXX. Commonwelth Financial in PA XXXX said that these accounts were sent to them from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. These three accounts have been removed from all 3 credit beauas and added back on with the same Name Commenwelth Financial out of PA. I had idenity theft of my Ss Card and DL on XX/XX/XXXX until XX/XX/XXXX. I reported this to our Police Department in Texas, in the county that I live in. On the report it Syayes that this is a Case Summary Report case number XXXX but Commonwy Financial said this is nota Police Report. So I Called the XXXX Police Department And have them the case number and advised them I needed A Police Report not a Summary case report. XXXX XXXX at XXXX Police dept ph number XXXX XXXX XXXX advised me that a case summary report and a police report where the same. Commonwelth Financial advised me that if I Dont provide a police report that these 3 Accounts are mine and I have to paid these account Per XXXX.. Also XXXX advised me that now these 3 Accounts have been turned over to a company called XXXX XXXX XXXX Phone Number is XXXX Called then and got Answering Machine. Left my Name and Number and have not heard back from them. I checked with the XXXX reviews and there is a statement that said that Commenwelth Financial and XXXX XXXX XXXX are scams. Please let me l ow how to get these People to stop putting these account on my. Refit Reports ... I have tryied everything and still asked to Pay these accounts that are not mine ... if you need additional information you can contact me at XXXX XXXX XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Sorry for the delay but CFPB must see the " shallow '' response from XXXX XXXX. Again, I submitted to CFPB a copy of the payment schedule as well as the contract via net credit. with my last complaint for CFPB 's view. I am not paying a " lower '' but a higher interest when the terms of my loans were changed which does not reflect anywhere on my contract. CFPB has been silent in this ongoing complaint against this company and I would like to see what you think. I have no " amortization '' sheet! I am going by my contract which does not at all include that the company may " change '' my loan term and charge me at a higher interest rate! I did not agree nor " sign '' to the changing of my loan especially to pay added interest because this company appears to be " A predator lender! '' Make no mistake I will not stop until things are made right and there are laws that actually protect consumers from this type of lending!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is in regards to 5/3 bank checking account offer which states, " Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. 

In my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank. 

Had the language in the bonus offer stated, " To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says. 

At the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief