vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-07 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX-XXXX  XXXX Online and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through Navient, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/Navient and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/Navient these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I want to complaint on Lakeview loan servicing. To start with, I have refinanced with XXXX XXXX but before my first payment they sold it to Lakeview Loan servicing. I made my first payment on time to Lakeview and checked my bank account if it has gone through. After one month I made another payment on time. I just wanted to check if everything is fine, so when I checked the account after 6 days it showed delinquent. I contacted them immediately and they said I am due. It dint made any sense since I made the payment already. So representative said that they will investigate but I am still due. So I made another payment. I contacted multiple ( up to 8 ) times there after in the span of 45 days and I got different answers from them. First they said I need to make another payment to avoid delinquency and later they said I wont be delinquent until first 60 days. But no matter I made my payment on time and another to avoid delinquency till they investigate. Late a supervisor said that by mistake my previous mortgage ( XXXX ) sent an extra payment, so they sent the money back, but I still made my first payment and they have investigate. Later another day another representative said I was due to XXXX XXXX so they sent that first payment to them and I was still due the first month. Later today after 45 days I talked to another supervisor and she agreed that first payment always goes to previous company and my extra payments will be corrected and my due date will be forwarded to next payment. All I got after all this struggle is sorry after going in round because of them and one time they asked me yo contact my previous company and I talked to them for hours learning they cant help me because they already sold it to the new company. I was so much in stress because they said I was delinquent after making my payments on time. I couldn't do other things I planned to just because I have solve this delinquency or mistake and I have to make extra payments because of their mistakes. But they cant compensate me in any ways after all this struggle. They don't have a clue what they are doing and incompetent to run mortgage company. The stress I went through these days can not be said in words.Sorry is the best they can do. I also want to complaint on the supervisor with ID XXXX who boasted about being the highest degree in the supervisors in that building and she can't do anything but will fix the mistake in 3 business days after my 45 days of struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
i try to transfer my amex reward point to airline program at XXXX. i get the following information. 
This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. 
i call the customer service and they say that my account is under review and they did not know when they could unlock this. I can do nothing with my amex account now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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: SC

Complaint narrative:
Experian blatantly lies in their responses to the CFPB complaints I file. They claimed that I violated something in section C but when you read the law section 605B of the FCRA it clearly says you have to do A first and then B and then C after A and B are completed. Experian plain and simple breaks the law by skipping A and B and going straight to C with no proof whatsoever. 
Under the penalty of parjury and in front of the police I swore that I did not open any of those inquiries that I have claimed as fraud. Experian seems to think because I removed the credit freeze that identity theft can not happen at that point. They think that I'm responsible but I've already proven to the police that I didn't do it because they did check the ISP adresses and I did not do it because they didn't match. 
Simply have experience comply with the law A comes before B and B comes before C, The law is written that way for a purpose and they break it so tell them the stop breaking the law. There are 7 inquiries that I have included in this complaint that do not belong to me and they need to remove these immediately because it's been way more than 4 Business days

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 2020-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
This company contacts me multiple times per day. Exceeding 8 times. I tell them and ask to stop being contacted. Yet they still contact several times per hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both Equifax   and XXXX will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the Equifax data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I previously filed a written complaint with the Consumer Financial Protection Bureau against American Express. Please refer to Consumer Financial Protection Bureau complaint number XXXX. 

This is an ADDITIONAL complaint against American Express regarding fraudulent late fees, interest and other fees. I received a demand for {$690.00} from a credit collection agency AfTER my American Express credit card was CLOSED and MY BILL WAS PAID IN FULL so I do not owe American Express any additional financial payment. 

The NAME and CONTACT for the American Express Credit collection agency is : XXXX XXXX XXXX XXXX Account Representative XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX has a SECOND address : XXXX XXXX  Account Representative XXXX XXXX XXXX XXXX Texas

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07 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: MD

Complaint narrative:
My information had been exposed during XXXX XXXX data breach and I began looking into my credit report in XX/XX/2019. I've sent 4 rounds of letters to all three credit bureaus to remove fraudulent unverified accounts on my credit report and Experian has refused to remove unverified fraudulent accounts on my credit profile that I listed in 4 rounds of letters. I sent all my letters certified and notarized and have proof that they received my letters IN ADDITION to a police report for identity theft AND documentation showing XXXX removing the unverified accounts. I sent Experian 609 letters to enact my rights under the FCRA and they have refused to remove unverified  fraudulent accounts. As recently as XX/XX/2019 Experian unlawfully reported a collection account on my credit report from 'XXXX XXXX XXXX ' whom I have NEVER conducted business with nor entered into any agreement. Additionally, their reporting of this collection account resulted in a significant loss of points from my credit score. 

Moreover, one account from XXXX XXXX has placed 2 hard inquiries on my credit report without cause. I'd opened and authorized what I understood to be ONE inquiry in my credit report to open my account which was opened successfully. However, on XXXX XXXX another hard inquiry was placed for no reason at all. Experian needs to remove that additional inquiry from my report as it reflects negatively on my profile.

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 2020-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HOVG, LLC
State: TX

Complaint narrative:
I spoke to XXXX XXXX XXXX,XX/XX/2020/. She was completely rude. I paid a debt back in XXXX in which I did not validate the debt was mine but just wanted to do the things necessary to get a home. I found out they were reporting that I owe them so I called them up had a agreement that they would delete the item if I paid {$93.00} dollars. I paid the amount and move forward today when the originator repulled my credit for it still showing. I called today and speak to Ms. XXXX when I tell her about me paying for the debt to be deleted her attitude change. She told me that they NEVER delete them. I let her know that the representative must of misinformed me. She continues to say it was her that took the payment and that she wont be going back and forth with someone about {$93.00} collection and she was about to get off and didn't have time for that low amount of a debt thats already been paid. I asked her well since you wont remove it can you prove the debt is mine she continued you over talk me and bash me about the amount and how it was so small like it was beneath her to validate that the debt is actually mine if I just paid it instead of showing proof before I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Hi On Friday  XX/XX/2019 I received a call from Home Depot/Citi Credit Services regarding fraudulent purchases made with a HD Credit Card to my name. At the moment I was on a cruise leaving XXXX and couldn't verify exactly the purchases listed by HD since they only gave me the item purchase amount and not the item description. In total there were 3 fraudulent purchases, one of which matched closely to a legally purchase made by me. So I reported the 2 others purchases and left the other one as is. 


Later on XX/XX/XXXX I spotted that this was indeed a fraudulent purchase and contact them about it. They told me they were going to open an investigation and on XX/XX/2019 I received a letter telling me I was responsible for it since I didn't identify the transactions. 

From what I could research, Legally, I have 60 days after receiving the erroneous bill to report the mistake to the Home Depot/Citi Credit Services. Both dates, the initial fraud call and the fraudulent billing statement fall within 60 days. I would like to know if you guys could help me resolve this issue. 

Thank you 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 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
In early XX/XX/2019 I filed for a mortgage modification due to being unemployed for a significant period of time. I was told I would be eligible for a loan modification. On XX/XX/2019 I received a letter denying the modification. I was told because I now make to much money. I have offered to repay {$32000.00} of {$39000.00} immediately and start making my mortgage payment with an additional {$800.00} until I am caught up with the payment. I was told that SLS did not have to allow me to setup a payment plan.

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 2020-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Impounded property taxes for the loan have not been paid. I notified the mortgage servicer on XX/XX/2019 that the wrong property tax account was listed XXXX ( please find attached response ). They went ahead and paid property taxes to the wrong property tax account. I followed up by phone after seeing this and received no response, followed up by phone again on XX/XX/XXXX after seeing the taxes still haven't been paid with no luck, just the same run around I received before. I don't have time to spend XXXX minutes on the phone over and over to chase these people down and get no resolution. I have had nothing but problems with this mortgage servicer. Horrible service, no accountability and no resolution. At this point, the county tax assesor shows that I am delinquent in my property taxes on the impounded account attached to this mortgage XXXX!! Taxes are impounded with my payment, and of course, I am current on my payments. I have attached both property tax bills, the one that was paid incorrectly and the one that should be paid but has not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have tried to resolve a charged off account with belk, every time i call they wont give me my account number and tell me that that they arent removing anything, and that i need to wait 7years..

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 2020-01-07 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: NY

Complaint narrative:
My credit score both XXXX and equifax was XXXX on XX/XX/XXXX it took a hit for 100 points the following week with no explanation. It is currently at XXXX much less than where it should be, at least XXXX. There is an erroneous entry in collections for XXXX staying on record until XXXX. XXXX caused this error, not me! Several months later and you still have not corrected this problem. I may have to file another complaint with the NYS Attorney General. I am a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07 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:
My information has been compromised and is affecting my credit in a negative way. I have several collections and account that do not belong like XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. Please help me in this matter to remove any incorrect information off my credit report because it doesn't seem that the credit bureaus are much help. Thanks in advance for your help in this matter.

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 2020-01-07 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: IL

Complaint narrative:
An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..

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 2020-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Requested a payoff statement on XX/XX/XXXX good thru XX/XX/XXXX from XXXXoan Care LLC. Recieved payoff statement with payoff amount. Refinanced home. Title company sent payoff amount on XX/XX/XXXX. Payoff checked stamped recieved by Loan Care LLC. Title company ( XXXX XXXX XXXX ) received a returned check and new payoff statement on XX/XX/XXXX that was good thru XX/XX/XXXX asking for {$280.00} more than original payoff statement issued on XX/XX/XXXX. I called Loan Care LLC on XX/XX/XXXX to find out why there was a difference in the two statements. During the phone call they issued ANOTHER payoff statement without my request and the new payoff is now {$1000.00} more than the original statement given on XX/XX/XXXX. Originally they said the {$280.00} was due to tax distributions. However taxes were distributed in XXXX of XXXX before the original request for payoff statement. Loan Care then stated that the new payoff generated on XX/XX/XXXX is the amount that has to be paid even though the second statement sent to the title company states that it is good through XX/XX/XXXX. I have called Loan Care multiple times on XX/XX/XXXX trying to get answers as to why the payoff amount keeps rising. ( Twice in one day ) I keep getting placed on hold for extended periods of time. Requested to speak to a XXXX. After a very long hold was connected with XXXX XXXX at Loan Care LLC I spoke with her briefly before she asked to place me on hold. I then sat on hold for about 20-30 min before the I was hung up on. Still no answers to the large increase in payoff amount. I called back Loan Care LLC and was connected with XXXX. I asked XXXX to speak with the XXXX XXXX and explained that I was just on hold with her before the call was disconnected and I called right back, to which he said he wasn't sure she was available and would connect me with another XXXX and placed me on hold for what he said would be 3-4 minutes and turned into 45 min before a XXXX answered still without a resolution other than to pay the statement given this afternoon over the phone asking for {$1000.00} over the original payoff statement

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 2020-01-07 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: TX

Complaint narrative:
I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

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 2020-01-07 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: TX

Complaint narrative:
I attended XXXX  XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.

Company response to consumer: Closed with explanation