vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
This is my second year in this new home. The mortgage company said the escrow was wrong and raised my mortgage by {$400.00} then on top of that they placed forced place flood insurance on my home at a very high amount when I already had flood insurance. I called my agent they sent them the flood policy they gave me at {$500.00} less they never updated it or changed it. this mortgage company has raised my mortgage payment 3times making it difficult for me to afford my mortgage. I contacted my property appraisers office they sent me 2 letters saying I qualified for $ 5o, ooo homestead exception and what my taxes will be they refuse to update my escrow even with 2 letters from the county on letterhead and authorized signatures.They also have one of my mortgage payments in suspense of {$1200.00} they will not apply to anything just sitting there for 5 months every time I call them they open new tickets but nothings gets done. No one calls me emails me nothing gets applied or updated. My mortage payments keeps increasing and they keep sending me foreclosure letters. I have called several times asking to speak to a supervisor I cant get anything done.all while they hold on to an additional {$1200.00} and then charge me more late fees and property inspection fees for pre foreclosure.

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 2018-04-06 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: CA

Complaint narrative:
CRA INACCURATE LATE PAYMENT WITH XXXX XXXX XXXX ACCOUNT # XXXX, AND ADDRESS, NAME, TELEPHONE THAT I DID NOT AUTHORIZED, APPEARED ON MY EXPERIAN CREDIT REPORT.

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 2018-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Square One Financial, LLC
State: CO

Complaint narrative:
I spoke with XXXX XXXX regarding a settlement with XXXX XXXX. We arranged to settle a delinquent account for {$1500.00}. I paid {$1000.00} XX/XX/XXXX and remainder was due by XX/XX/XXXX. I called in on XX/XX/XXXX to pay remainder settlement of {$500.00}. XXXX was very rude asking why did I file a complaint with AG? And that I was wasting her time with complaint> She seemed very upset, and spiteful. I provided a XXXX XXXX credit card to make a one time payment of {$500.00} to settle the account in full. She sent me a receipt and never stated my card would be charged as a cash advance. The next day XXXX XXXX froze my account stating XXXX made 2 charges for {$500.00} and one charge was a cash advance for a wire transfer. I called XXXX immediately but XXXX was somehow unavailable. I never authorized this company to cash advance my card or make an additional charge. This has caused a huge inconvenience freezing my credit line. XXXX XXXX intentionally charged my credit card for a cash advance out of spite from me filing an Attorney General Complaint. This employee definitely needs to be investigated on her business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Peak Acceptance, LLC.
State: TX

Complaint narrative:
I had a car loan with Peak Acceptance LLC XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-06 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: GA

Complaint narrative:
I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( XXXX, Transunion and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

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 2018-04-06 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: GA

Complaint narrative:
I recently disputed collections ( XX/XX/2018 ) with all three of the credit bureaus ( Experian, XXXX and XXXX  ). I've asked them to validate these collection debts and all of my disputes were updated as verified with no further information. There are three collections : XXXX XXXX for {$340.00}, XXXX XXXX for {$870.00} and XXXX XXXX and XXXX XXXX for {$460.00} ( I don't understand why 2 different debt collectors are able to collect ). I do not recall opening these accounts nor have I given permission for anyone to open these accounts. The credit bureaus have not validated these collections ( I did not sign any contracts or anything ) ; just verified and that does not prove how these collections have come about.

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 2018-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I have reached out to Transunion to see if they would clear the inquiries on my credit report due to the fact that my identity was stolen. They were not able to help. Below are the credit inquiries with the dates listed that were placed using my information without permission. 

XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2018-04-06 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: NY

Complaint narrative:
This complaint is regarding inaccurate reporting by XXXX and the lack of investigation by Experian. A charge off in the amount of {$47.00} is being reported on my credit report, yet I still have an open account with XXXX. I sent a validation request to the company and received a response with a print out of all charges that appears to be hand typed and shows no records of payments. What I dont understand is why purchases would still be allowed if there is a balance owed? Also- a few days after receiving the invalid validation letter, I was given a credit increase on my XXXX account for being a great customer ( I would prefer the charge off be removed not an increase to the credit limit ) I have reached out to both the company and Experian XXXX I was provided a print out of an account in which you are able to clearly see that it is still open but there is also a charge off for the same open account. How is this possible? Payments are made each month, if there was an overdue payment why was this not indicated and mail sent out? Why were payments not applied to my existing balance? This is unfair and inaccurate and I demand this charge off be removed from my credit report. Also, prior to said charge off that happened in XX/XX/XXXX you are able to see payments, why is it that after this charge off there are only purchases view able but there are no payments showing? This is not validation this is pulling certain information and hoping the consumer doesnt notice. 
XXXX is reporting inaccurately and Experian is allowing this. I disputed this account in XX/XX/XXXX and received a print out that validates nothing. I demand an investigation. I demand this inaccurate charge off be removed from my credit reports. I have attached the print out I received and demand this be resolved as it is hindering me from receiving credit. I have no issues with my credit. Why is this charge off reporting on an account that exists? If there was a balance due why was no email sent? Why am I unable to see this information when I login to my XXXX 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 explanation
Consumer complaint received 2018-04-06 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: IL

Complaint narrative:
I submitted my loans for the Public Student Loan Forgiveness ( PSLF ) program and my loans were transferred from XXXX to XXXX XXXX. In doing this, I submitted forms that verified my eligible employment for PSLF and received confirmation that I was working from an eligible employer for three different time periods ( I transferred within the same organization which required three different employer verification forms submitted ) I submitted the employer verification originally in XX/XX/2017. I checked my account a couple months later and saw that XXXX had only processed one of the forms despite submitting three different forms. I informed them of this and they had to conduct a manual review to resolve this process. I received confirmation of these and I waited for my number of qualifying payments to update to show my progress towards PSLF. I waited a couple months before I called and they told me I had to manually initiate XXXX to contact XXXX to verify the payment plans I was on to ensure their eligibility. I thought this would happen automatically but it did not. 

XXXX has not yet verified with Navient that I was on the correct payment plan and my status on my loans is that I still have 0 qualifying payments towards PSLF. I have repeatedly called back and been told that this process takes longer each time, first 10 business days, then 30 days, then 60-90 days,  then 6 months. I call back at each of those intervals and am now at the 6 month mark and there has still been no progress. I want to know why this is taking so long as there are many years of eligible payments that I have not yet been credited for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Commercial Services, Inc
State: GA

Complaint narrative:
XX/XX/XXXX-XX/XX/2017 ( amount was {$9000.00} ) Received phone calls from National Commercial Services about having to pay a claim dealing with a car accident Stated if I didnt pay the amount, I will go to jail and they will suspend my liscense.

I told them I couldnt pay the amount and they didnt care about my situation and said I have to pay no matter what. Not sure if its a scam. The insurance company never said I had to pay a claim.

They never sent me a letter stating why I had to pay so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRINITY HOPE ASSOCIATES
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX recently reported a medical collection for {$530.00} on my credit report. Prior to this account showing up on my credit report, I did not receive a notice of my right to dispute. This is a direct violation of my rights under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
On XX/XX/2018, I was notified by my homeowners insurance company, XXXX XXXX, that my mortgage servicer, Roundpoint Mortgage, had not paid my homeowners insurance premium the year from my escrow account, and that my homeowners policy would lapse and cancel on XX/XX/2018 if not paid. 

I contacted Roundpoint on XX/XX/XXXX, and after attempting to find my account, initiated an immediate wire for the premium amount to XXXX XXXX. 

On XX/XX/XXXX, I received a letter from Roundpoint Mortgage that my insurance premium had been paid and the payment was confirmed. 

On XX/XX/XXXX, XXXX XXXX calls again to inform me that they still have not received payment from Roundpoint. 

Also on XX/XX/XXXX, I contacted Roundpoint to determine where the error was in the payment. After repeated calls over the next 48 hours, Roundpoint has been unable to verify who they sent the wired money to or if it was actually received. They are unable to transfer me to anyone knowledgeable of the escrow process or to the person who performed the wire transfer or has access to the level of information needed to provide confirmation. 

I am now 24 hours away from having my homeowners insurance lapse and cancel, and Roundpoint has yet to call me back, find resolution, or cooperate with both my and XXXX XXXX 's requests for documentation.

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 2018-04-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX The loan was opened in XX/XX/XXXX and the car was repoed in XX/XX/XXXX since then they still have the account as open and late payments reported on my credit every month for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand now XX/XX/XXXXI have called them and asked them to close the account and take the late payments off from the time they took the vehicle back. I have disputed on credit report but the come back saying the information is accurate but it is not.

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 2018-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I am a victim Identity Theft .This account was unauthorized. 
XXXX XXXX # XXXX XX/XX/2017 {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: TN

Complaint narrative:
Today I received a call at my place of employment, the collector that called never once said the call was being recorded or monitored but left a message with one of my employees for me to call back XXXX ext XXXX and to ask for XXXX XXXX. 

I called back the number left, XXXX XXXX XXXX wasn't available. I advised the woman that I spoke to that they are not allowed to make any contact by phone, and that I only wanted correspondence through the mail. The rep told me the only way I could make payment would be by phone. I told the rep I was sure I could go online and pay or send something through the mail. The rep told me at that point she will put my number on hold. Rep advised me they had the wrong address so I was never made aware that they had my account. The rep also stated that they received the account XX/XX/XXXX and asked for payment. If they received the account on the XX/XX/XXXXand knew that I had never received a letter from them because they had a wrong address then that was over shadowing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Global Portfolio Recovery, LLC
State: AZ

Complaint narrative:
I made an agreement with XXXX XXXX XXXX that if I paid both my collections with the amounts of XXXX and XXXX that they would send me a letter that they were paid, and report to the bureaus that the I have a XXXX balance. They agreed to do what they agreed by ten days after the checks posted ( see attached ), but now it has been a month and they have avoided talking to me and doing their part of the agrrement.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NV

Complaint narrative:
My existing loan was recently acquired by Roundpoint Mortgage company. In order to make an automated phone payment they charge {$10.00} ( Ten Dollars ), when speaking with a phone representative they charge {$12.00} ( Twelve Dollars ). The only free option is on the computer or my mail. I feel this is an unfair practice and taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have tried multiple times over the years ( when it was XXXX XXXX, and now Navient ) to get my loan refinanced to a reasonable point to no avail. I was told my only option was pay {$50.00} and place on forbearance, but with the stipulation, that you only get up to 12 months for the LIFE of the loan ( that they forced me to take at least once ), So I struggled for along time. I couldn't even combine it with other student loans, because it was " private '' and they'd rather watch me squirm than get anything. 

I'm now out of work for 3 months, not able to pay a dime as unemployment does not stretch for anything. I've tried asking for help multiple times, to be basically told, " too bad. '' The only way I got anywhere was literally yelling at them, and even then I think all I did was frustrate me more. 

The worst part has now become that they have gotten a 3rd party involved to " find '' me, and harass me at least 5 times in the last week, who will not give me any info unless I give them information I'm not comfortable giving, including who the " company '' was. That the only reason I knew it was Navient is because I called them again on XX/XX/18, and they admitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently pulled my credit report via transunion and noticed there were four inquiries on my account..however when I called the companies that inquired they stated credit was not pulled. I then learned that transunion had an inquiry issue that involved re-reporting of old inquiries. I believe that I am a victim of this inquiry issue. I called transunion but they refused to do anything about it. I am requesting these four inquiries be deleted from transunion as re reporting something already deleted without a notice of is a violation. And these inquiries are not accurate

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