vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr. Cooper will not release our insurance check that we were required to sign over to them so that we can make the repairs necessary to our home. They continue to ask for the same documents over and over and state each time that the check will be five to seven business days and must stay in escrow for five days to clear. We were hit by a tornado and do not have most of our roof and continue to get more damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
Hard inquiry was done and I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Complaint is with Chase, mortgage # XXXX In XX/XX/XXXX Chase acquired my mortgage from Washington Mutual XX/XX/XXXXwith a balance of {$370000.00}. 
Payments were made regularly ( admit there were some late payments arriving just after the 15th of the month ), until a modification was done in XX/XX/XXXX. The modification balance was {$410000.00} with a balloon payment due in XX/XX/XXXX of {$88000.00}, which raises the total amount to {$500000.00} from an original balance of {$370000.00}. From XX/XX/XXXX to XX/XX/XXXX Chase was paid {$92000.00}, with no reduction in principal, and no equity left in the property. 

My question is how did the note of {$370000.00} in XXXX get to {$410000.00} in XXXX a {$40000.00} increase in the principal amount when payments were made each month, and still have no equity in the property plus an increase in the balance owed. Since XXXX all payments have been on time, with a current principal balance of {$360000.00}. How is it possible for an original note of {$370000.00} to be reduced by only {$11000.00} over a period of thirteen years. What happened to the {$200000.00} paid to Chase. 
since XXXX?? 


Current balance of principal is {$360000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NC

Complaint narrative:
I requested debt validation from this collection agency that claims I owe them a debt. I requested debt validation on XX/XX/2019 via certified letter, on XX/XX/XXXX I received copies of simple charges the collection agency says I owe. They did not send any proof of a signed, legal document with my signature that showed the collection company and I had a legally binding contract. I want these fraudulent charges taking off my credit report so that I can purchase a home. Its disheartening that a collection company will just send a list of charges with no real proof that you owe them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
First, off the company claims they did not receive a completed loan package, lied about not having a sale date. Spoke CSR, said no sale just complete the package by the XXXX, it was completed and emailed and faxed, on the XXXX..They were just buying time to exhaust all options to save home because the door was tagged the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: FL

Complaint narrative:
today i saw on my credit report inquiries that i did not make. This was done due to identity theft. XXXX, XXXX XXXX, 2 XXXX  Inquieries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit  reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX , NY XXXX LETTER OF EXPLANANTION On XX/XX/2019 Ive ordered a Silver Signet Ring on XXXX XXXX XXXX website online. The online order should be containing single XXXX XXXX XXXX Branded Silver Ring in brand new condition. For that Ive been charged {$460.00} accordingly. The item has been delivered to my location in rough-conditioned box. When Ive opened a shipping box Ive found XXXX-branded box with white Ribbon and pouch and papers, but inside this box was different from what Ive ordered online it was roughly shaped middle size ring made of silver. Ive instantly reported the issue over the phone to XXXX XXXX XXXX   Customer Support and Ive been advised to use pre-paid XXXX shipping label to return the item back to XXXX XXXX XXXX Facility in XXXX, NJ in order for them to investigate the matter. The package was returned back on XX/XX/2019 via XXXX TRACKING XXXX. Ive got a confirmation email from XXXX that they have received the package and while investigating the matter, I should have expected a refund issued back to my XXXX account within next 3-5 business days. However, it was never issued and I didnt receive any further communication from XXXX. Ive made a call on XX/XX/2019 in order to clarify why the credit wasnt issued, however didnt receive a direct response and decided to file a billing dispute with AmEx. At the meantime, without nor my prior consent nor authorization, XXXX XXXX XXXX  decided to ship the package back to me, claiming that theyre not responsible for that incident and instead I should be liable, which is concrete violation of my consumer rights. However, the original package has been successfully returned back to XXXX XXXX XXXX  with XXXX Tracking XXXX on XX/XX/2019. 

Ive supported my claims with all necessary supporting documents. Please, find them attached to this brief. Additionally, such questionable business practices already have been reported by me to FTC and XXXX and other governmental institutions. Please, consider such documents as well. 

Under United States of America Public Law 93-495, Fair Credit Billing Act, Section 166 Im kindly requesting American Express to credit full amount of {$460.00} back to my XXXXXXXX account and consider the matter resolved, since Ive returned the item back to the XXXX XXXX XXXX . 

Kind regards, XX/XX/2019 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft and I made sure to inform all credit bureaus and add a statement that no credit should be obtained till I get a phone call. I also submitted a copy of a police report and FTC report. All major credit bureaus helped deleting inaccurate information except EQUIFAX. They made this process impossible and after a few disputes, the process is always verified and nothing can be done to make them really reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX, XXXX of XXXX I was charged Overdraft fee if {$35.00} each. 
All were ATM transactions. 
Deposit total from XXXX and XX/XX/XXXX was {$910.00}. 
Bank of America manipulated my checking to charge these fees. 
I disputed at the time and got no where. 
Total fees were {$170.00} I didn't have overdraft protection at all. 
They closed my account XX/XX/XXXX Put me in XXXX XXXX saying account abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, XXXX, Equifax etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, Experian, XXXX   etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I attended the XXXX XXXX of XXXX from XX/XX/XXXX XX/XX/XXXX. I took out student loans to pay for tuition that I was consistently mislead and overcharged quarter after quarter, not realizing at the time because I trusted my financial advisor. I paid over {$2500.00} a month as well as taking out student loan and grants that I was not being informed on.I was given false information regarding these loans as being led to believe they were grants and not having to pay them back as well as paying partial tuition up front, ( cash ). I was also misleading on the entirety tuition cost as a whole. 
The XXXX XXXX promised its graduates MANY things that were never attained post graduation. I was told graduates would be placed in an industry-related job after graduation, and that did not happen. I had no help whatsoever with my job search after I graduated in XXXX. I was also promised prestigious, industry focused internships throughout my time at the XXXX XXXX of XXXX. This did not occur. The professors who had the industry connections did not assist with finding students internships. I found all of my own internships and externships with no assistance from the Institution. I now have over {$85000.00} in student loans that are not valid from an institute that has completely closed down, Nation wide and I can not do anything with this company, AES ( American Education Services ) because it is considered a private loan. So, I can not request a borrowers defense exception for the {$19000.00} that AES is requesting I pay them. 
I want this company to work with me and see this {$19000.00} student loan went to a fraudulent Institution that is no longer in business and I can not get a Job in my field of study. Therefore, I can not - and should not be held responsible. 
I am tired of the calls, threats from this company trying to use emails and scare tactics demanding I pay. This private school loan should not be held valid under my name nor I should be responsible because the institute was misleading and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARS National Services, Inc.
State: MI

Complaint narrative:
I received a letter with my maiden name on it as a new account. Saying I owe {$820.00} when I called them to inquire and explain that I have not used that last name in 25 years. I had the letter and I read to them the account identification information on the letter. Despite providing the info on the letter they tried to gather my SS # and my date of birth. I then advised that as a debt collector you added what must be given to get information on this account yet you are asking for information you don't have to collect a debt. I then repeated the fact that the name is wrong clearly a fraud issue they refused to provide the steps to get this resolved and said they were not a debt collector rather a call center. I advised you are now concealing/ impersonating who you really are. they then hung up on me. Still have the issue and don't know what I should do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Inquiries not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Have written to XXXX, XXXX and Experian 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). XXXX  took over 2 months to reply. Have not received much communication from Equifax nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
To Whom It May Concern : We recently sold a house. Our settlement was supposed to have been XX/XX/XXXX but due to the gross negligence of the mortgage lender for the buyer of our house, our settlement ended up being pushed to XX/XX/XXXX. We did not become aware of the need to push the settlement one day until the afternoon of XX/XX/XXXX. Because of this last minute change, we incurred substantial out of pocket expenses totaling {$840.00} ( boarding charges for pets, storage of items on moving trucks, lost wages, and costs for temporary internet coverage to support home based business ). It came to our attention that the mortgage lender had the wrong settlement date in the file which caused this delay. I reached out to the mortgage lender on XX/XX/XXXX asking for reimbursement of these expenses but he is denying responsibility.

Our real estate agents were assured Tuesday XX/XX/XXXX afternoon everything was on track and that they were only missing a couple pieces of information. It was not until noon on XX/XX/XXXX that my real estate agents finally called XXXX  after not hearing from him and he informed them that settlement was being pushed a day.

The mortgage lender that worked on this file was 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 2019-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I am not a current customer and have asked Tower Loan on several occasions to remove me from their mailing list but I am still getting offers. Please remove me from your mailing list like you say you have every time I've called with this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The following accounts are fraudulent : XXXX XXXX- {$510.00} XXXX/XXXX- {$210.00} XXXX- {$780.00} XXXX  XXXX- {$240.00} XXXX- {$210.00} XXXX XXXX- {$4900.00} XXXX- {$4300.00} XXXX- {$210.00}

Company response to consumer: Closed with non-monetary relief