vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: World Acceptance Corporation
State: SC

Complaint narrative:
On my report some of my credit wasnt cleared after 7 years ... why are they showing up on the report now ; closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account was paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Victim of fraud - criminal has been prosecuted and is serving a sentence for this crime. Even upon submission of supporting documentation credit reporting agency refuses to delete the incorrect negative information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Started the modification process  XXXX . Checked the ocwen.com website daily for status.  XXXX  {$1800.00} in payments were made. Called  XXXX  customer service because it said the next payment is n't due until  XXXX / XXXX / XXXX  for {$2600.00}, even though we still had {$1400.00} due to pay the month of  XXXX  in full. The  XXXX  rep advised us that we were approved  XXXX / XXXX / XXXX  for the trial modification, that is why the system reflects a  XXXX / XXXX / XXXX  payment due and no other payments needed to be made until  XXXX / XXXX / XXXX . All payments on this mortgage had been paid and we would of continued to pay the remainder of  XXXX  payment and  XXXX  payment as well if we had not been instructed to not do so.Now we are being reported late for  XXXX ,  XXXX  &  XXXX . This does n't make any sense, nor is it what we were told. We are currently paying our  XXXX  payment now in  XXXX , but the  XXXX  website reflects being due for  XXXX  and reported as being late for  XXXX !    XXXX   XXXX  of  XXXX  in the modification paper work states if the account is past due at the time we enter into the trial period plan, then it will continue to be reported that way. WE WERE NOT LATE WHEN WE ENTERED INTO THIS AGREEMENT. THIS NEEDS TO BE FIXED. This company has been a complete nightmare and are killing our credit. They are also applying the weekly payments I made to the principal balance, and not counting it towards the currents months payment that is due and actually intended for. I make my payment thru my bill pay with   XXXX   XXXX   XXXX   .  I thought that might be confusing them, so I attempted to sign up to make weekly payments thru their website. I could n't because my account has to be current in order to sign up. It is current!!!! I have paid {$1400.00} towards my payment so far that is n't even due until  XXXX   XXXX ! Help please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian show s   XXXX   old accounts ( 4-6  years old ) on my credit report that do not belong to me, along with several credit inquires, I was victim of Identity theft. After I notified Experian of this, they verified the information with  XXXX  and  XXXX   XXXX  then they re-dated the information giving the debts new current Failed to Pay dates, and took points from my  credit score  in both instances as though I had recent activity on these accounts, when all I did was dispute the information. Furthermore they now specifically note that I have recent missed payments which is not true.   In addition on  XXXX   XXXX  I sent Experian a registered letter, which they received on  XXXX   XXXX . This letter contained an official signed report from the FTC with my case number, verifying that I was a victim of identity theft, along with my SS #, a copy of my drivers license, a copy of an insurance statement as verification of my address, a copy of my credit report with information circled, and my complete addresses for past two years. According to the FTC they are supposed to block information within  four  days after receiving my request, which would have been  XXXX   XXXX . They did not block the information. Instead they sent me a letter dated  XXXX   XXXX , telling me to send all the information I have previously sent plus a statement from a law enforcement officer. They were not timely in their response to me, as I just received their letter on  XXXX   XXXX .   I will send the letter from the law enforcement officer to them, however, Experian has taken it upon themselves to further damage my  credit score  by falsely updating my credit report to show new recent FAILED TO PAY dates, when in fact both of these accounts are several years old with no recent activity. Their actions have caused me to have a lower overal l credit score  for a mortgage I am in process of obtaining.

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 2017-04-19 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: NY

Complaint narrative:
I had a name change in  XXXX    XXXX   along with the name associated with my social security number. I recently applied for a loan for a used vehicle and was told I have  XXXX  credit despite 3 years of unmissed payments on my previous car. Apparently, my credit history from my former name was not transferred forward with the updated name. I need this changed as soon as possible.

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 2017-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Cognition Financial Corporation
State: NE

Complaint narrative:
I was added as cosigner on a student loan through   XXXX   XXXX   XXXX   in  XXXX . When I fiiled out my portion of the paper work I added three stipulations for the loan :  1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 d o not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX   XXXX   took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  First Marble Head  and then  XXXX   XXXX   XXXX . The loan is serviced by  XXXX   XXXX   XXXX  and despite 11 years of attempting to resolve the fraud with  XXXX  I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected.   XXXX   and  XXXX  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held  hostage or gi ve in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I applied for th e Public Service Loan Forgiveness, using the  paper form, as the computer form only gave me the option of paying {$700.00} a month (  XXXX  X 10 years =  XXXX  and my loan balance is  XXXX , so I would overpay {$28000.00} and none of my loan has been forgiven ). Fed  Loan  changed my loan to this amount, without my consent. I took a screen shot of the computer screen and sent it in with my application and told  XXXX   Loan  NOT to change my loan amount to {$700.00} without calling me first and they did it anyways. I wanted them to call so I could explain to them that the computer is figuring out a payment based on my income, not the loan balance, which is wrong. I 've called and emailed, trying to get this straightened out as the payment of {$700.00} a month is not correct. Today on  XXXX , the representative told me that this was my fault and tried to explain to me what I did wrong. I told her this all started because no one called me yet still told me that this was my fault. I 've requested that my payment go back to my original payment and have someone call me, yet I 've received no phone call. I 've requested an explanation how paying {$700.00} a month forgives my loan and how much of my  XXXX  would be forgiven and I 've received no explanation or phone call. I have to check my payment amount every month and then call or email them, with no resolution. Every time I call, I 'm told stuff about being delinquent ( WHAT! ) and now this is somehow my fault. If I could transfer my loan out of  My Fed Loan servic ing, I would. I try to apply for forgiveness, which seems so easy, but it 's been a total nightmare. My issues dealing my lender are trouble with how the payments are being handled, receiving bad information about the  Public Service Loan Forgiveness Program and horri ble problems with customer service. I get a different answer every time I call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My bank for some reason refuses to correct my mailing address. The local branch has called the main branch and asked them to correct my mailing address but the bank says they did but have not done it.     My bank is sending all my business bills with my home address and etc. I have asked over and over again to please update my mailing address but they ca n't figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On  XXXX   XXXX  '  XXXX , I called  XXXX   XXXX   XXXX  to combine my accumulated points into  one and keep one c ard only with my name. I also told them, that I would like to transfer some points to my son 's  Chase SW  Rapid Rewards account, and at that time no one told me that there would be fees for that. Next, when I tried to transfer  XXXX  points to my son 's Rapid Rewards account, it only showed  Equivalent Dollar for su ch points and did not specify any fees, charges or any warning of that nature. Once the transfer was made, then an amount of {$350.00} was immediately charged to my Chase card for such points transfer.   When I realized that I have been billed {$350.00} ( surely not a small change ) for this type of points ( fictitious ) transfer, I called  XXXX   XXXX  Raid Rewards dept. and I was told that they could not do anything. I even wanted to transfer them back to my account and I was told that it is forbidden.   I seriously object to such charges due to following reasons ; These points are numbers accumulated due to actual purchase of items/services by the card carrying consumer and not really given by the  XXXX   XXXX   XXXX  dept.   These points by itself have no value till these are used to buy products and/or services.   By simply transferring points between family members, there is no items bought or services purchased.   Usually when a purchased merchandise is returned in original condition and within stipulated time period, the amount is refunded back to the card 's account. Then why this is not possible in this case, when I told them to transfer the Points back to original account.   Once again, I vehemently object to such charges for some fictitious points where no items was purchased and no services provided. This is nothing but a fraudulent business practice which needs to stop and charges withdrawn. I had seen several such complaints on-line from various other consumers.   Repeated written correspondences did not provide any fruitful result. I hope I am filing complaints with appropriate Regulatory Agencies and am seeking your help in stopping such fraudulent business practice  ( in  my opinion ). I may also seek legal help to hold  XXXX   XXXX  and Card Issuing Chase Bank responsible for such charges for artificial points without any actual sale of product or services.   By the way, if you would like to know my c urrent credit score,  it is  XXXX  which even went up to  XXXX  during recent past.   Appreciate if you could take all necessary action to resolve this dispute at your earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have a few student loans that 's not matching up &amp; I checked  my credit score to   find an unfamiliar address that I 've never lived or used on my report. There 's no way this could be a mistake being as tho all my student loan information should all be the same. I believe that some foul play is going on with  XXXX   XXXX   XXXX  in  XXXX   XXXX  &amp; I believe that 's where the address came from. I 've never lived at  XXXX   XXXX   XXXX . In  XXXX   XXXX  Maryland. I 'm not even sure exactly where it 's at in  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I would like to dispute the account that  XXXX   XXXX   XXXX  #  XXXX  has reported on my credit file. I sent a certified letter to the company by mail to the address provided online from the credit bureaus for  XXXX   XXXX  as 100 % accurate. The letter was returned to me as undeliverable and I provided a copy of the letter and a copy of the address provided by the credit bureaus along with this request. Please remove this off my credit report, the company is not accessible and can not prove this account is 100 % accurate. This is a violation according to The Fair Credit Reporting Act,  15 U.S.C. 1681 . This account is hurting my credit profile and I request that you remove it immediately. Please see the attached documents showing my attempt to contact  XXXX   XXXX .   Thank you in advance

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  had a special on a  NEW  phone which was supposed to have uninterrupte d GPS Service an d a low price. This feature hardly if ever worked and always lost the signal on the phones. The GPS did not work as stated in advertising, the phones were returned to original Purchase place and account should have been closed, as this was all done within 30 days. Also the original date of this purchase and return is over 7 years and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
they ( convington credit ) are not talking to me but contacting and harassing third parties not involved in this issue. certified mail threating tactics to my brother, who this does not involve.

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I had items deleted that came back on my credit today and I am trying to get them removes again and hopefully the will not appear again. This took place  XXXX  and now there back in  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 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
I paid this to the company as it was going into collections. I think the company did not report this the the collections company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
We will not stop submitting complaints unti l Capital One p rovides us with a way to resolve this issue. The options they have provided are not options we have.  Savings account s do not have checks or pre printed deposit slips and therefore we can not provide something we do n't have. We keep getting the same response even though we have told them we are unable to provide something that we can not get. They do not give contact numbers and are not providing a way for us to clear the fraud alert off our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Bankruptcy case #  XXXX   XXXX   XXXX  All the above cases are being reported on my credit report. the listed source of the information is listed as   XXXX   XXXX   XXXX     XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  (  XXXX  )  XXXX  Upon speaking with them I was told that they do not verify anything with the credit bureau.They also sent me a letter which I have attached as well. After several attempts to dispute these items I was told by the credit bureau that these items were verified.

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 2017-04-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Extr a 20 checking. EXTRA20 BILL PAY BONUS. EXTRA20  DIRECT DEPOSIT BONUS.       I was told by,  XXXX   XXXX ,  Santander Personal  Banking Representative this savings account was not a promotion and I would receive {$20.00} forever as long as I had the account. The  Santander fl yer also states the same.  XXXX / XXXX / XXXX  was the last {$20.00} that was made. When I called  Santander C ustomer Service at  XXXX  and spoke with  XXXX   XXXX  ; he informed me the promotion was over. I told him I had not received any information fro m Santander regar ding this and th e Extra   XXXX  checking was not a promotion.   On  XXXX / XXXX / XXXX  I spoke with local branch employee,  XXXX   XXXX , and he agreed it should be honored and many customer 's are upset they discontinued it without any notification to their customers.          XXXX   XXXX   XXXX  ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  Personal Banking Representative NMLS ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  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 2017-04-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is refusing to remove  XXXX   XXXX   XXXX  from my credit report. Even after seeing that is inaccurate information.  XXXX  has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 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:
XXXX  forced me to take this loan back in   XXXX  , the original amount was {$5000.00}, and it was service by  XXXX   XXXX , since then I 've having been paying this loan on time but I still owe about {$3300.00} on the loan, it 's has been 15 years I have been paying this loan alone, if this was a car would be done by now. I like to complaint about  XXXX   XXXX  Navient that ripping off students like me, and they still doing this to other students.

Company response to consumer: Closed with explanation