vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-06 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. 

When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. 

When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. 

We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. 

We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A hard inquirer to credit company by Citibank on me XXXX XXXX with out my knowledge and my permission. This hard inquirer lowed my total credit score.

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 2017-11-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I FILED CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO 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 2017-11-06 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 — Investigation took more than 30 days
Company: Innovis
State: IN

Complaint narrative:
I FILED CHAPTER XXXX BANKRUPTCY ON XXXX XXXX, 2017, CASE NO. XXXX AND XXXX FILED TO ADHERE TO COLLECTING ON SAID DEBT, AND KEEPS REPORTING INACCURATE DATA TO ALL BUREUS AND STILL IN NOT REPORTING TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I had my previous mortgage with RoundPoint Mortgage ( RPM ) for servicing which I got refinanced in XXXX XXXX. So RPM got the full balance i.e. {$380000.00} on XXXX/XXXX/XXXX. On this dat my escrow balance was showing {$10000.00}. However they deducted one more XXXX on very next day ( XXXX/XXXX/XXXX ) of amount {$3200.00} which is their fault. After this XXXX my escrow balance went up to XXXX. After this they issued my refund in three separate checks of amount 1. ) XXXX 2. ) XXXX and 3. ) XXXX. I deposited all three checked in my wife 's account. After few days one check of amount XXXX was returned to us by our bank. When I checked with RPM they said they stopped payment on it but they could not explain why they did so. After conversation they agreed to re-issue they check which will reach in another week or so. I did not get any check so I called after 3 weeks on XXXX XXXX XXXX. I was shocked to hear when they said they do not owe that amount to me. I explained to representative everything, I ha gone thru the transactions and she accepted their fault and promised refund in a week. However I did not get any check and called them today XXXX/XXXX/XXXX and got to know they did not issue any check. I have all the documents with me but I can bet if you will ask a middle school student to go thru my account and transactions he will figure out the difference. Unfortunately it is very difficult to explain the same to RPM customer representatives as I have seen them struggling with simple addition and subtraction. I would request you to take this matter as I doubt they are running a scam to cook the transactions at the time of closing account as everyone will not notice it.

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 2017-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today XXXX XXXX 2017 I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. Equifaxs blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! Equifax clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: NC

Complaint narrative:
I have written a letter to the XXXX of Carmax, about my condition and what happen to my excellent payment history. In XXXX XXXX, I suffered a XXXX which left me disable at the age of XXXX. Please see my attached letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank XXXX XXXX XXXX for the excellent  service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XXXX of XXXX. 

I bought my XXXX XXXX in XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XXXX XXXX, it has left me disable and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the XXXX XXXX XXXX and they have approved my claim. Id have a spotless payment history. I understand my obligations with Carmax and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account. 

Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Carmax XXXX late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future. 

Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Carmax may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Carmax, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope XXXX XXXX XXXX believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon. 

XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic 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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Today XXXX XXXX XXXX I called XXXX XXXX sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from NY times wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
TodayXX/XX/XXXX I called eqifax 's sloppy setup call center. Wrong numbers NO intelligent answers on there clumsy breach of EVERYONES personal information. PLUS they have expired inquires still in my file. I can only assume my generic phone call for a security freeze worked. ALL over the internet, especially someone from XXXX XXXX wrote an article on how sloppy and indifferent they are to there opprobrious incompetence. I called all 3 generic credit reporting agencies today. USELESS. Even annual credit report over the phone and online does NOT work for my account. XXXX blundering stupidity has caused me a mis-matched name to my social security number. I told ... you people this problem months ago. EVEN more insulting is WHY are these cryptic clowns at XXXX [ d ] uplicating there phony collections 3 different dates?! # I told you people about XXXX  putrid stealing, cramming SCAM only 12 times!!! I want that garbage deleted!!!! I want a security freeze in all 3 of these specious credit bureaus!!!! I want a copy of my credit report from all 3 of these derelict credit bureaus!!! XXXX clowns do n't care how sloppy and incompetent they are. USELESS phone system, wrong numbers to call.

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 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My wife and myself started a loan with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Georgia on XXXX XXXX, 2000. My wife and myself have been paying faithfully from the start. According to certain clause in the contract my mortgage payments were to decrease over time of loan until finally payment. AS the payments were to make another decrease, my wife and I received notice that our loan were transferred and sold to XXXX XXXX XXXX. This was strange since XXXX XXXX now owns XXXX XXXX XXXX. During the process, my account number were changed, my property location were changed to reflect a home in XXXX Minnesota. We contacted XXXX, and informed them of the problem, but they ignored our complaint. They kept implying that I had a Bankruptcy, and my account was locked from decision. Now my so-called loan has been transferred and renewed with Carrington Mortgage Services in XXXX Indiana. I have been paying for a loan on the wrong house for two years now. I wonder what happened to my original loan. This situation has put my job in jeopardy and have put stress on my marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: Nelnet, Inc.
State: GA

Complaint narrative:
I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
I have already complained about this company. Amerihome mortgage. They did resolve one of the payments that they had lost the fund for, but still not the other payment. We have been trying to stay in touch with this company, but have been locked out of our online account since XXXX XXXX, and every time we try to talk to someone we get hung up on. Today XXXX/XXXX/XXXX my husband called twice to once again ask for a full accounting with the debits and credits, but once again were unable to talk to anyone, just got hung up again. The thing is, we did not ask for this company, they bought our mortgage from the previous provider, whom we were happy with. Why are company 's allowed to get away with this? This is my families home, my children 's home. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
To whom it may concern, This is to detail my accounts of what happened this afternoon when I called into Pacific Credit Exchange to speak to a supervisor. 

My name is XXXX XXXX. I called initially XXXX/XXXX/XXXX to Pacific Credit Exchange to speak to a supervisor of an employee XXXX XXXX ; Ive called several times between the time of my missed payments and XXXX never returned my calls and each time have been spoken to in a derogatory and insulting way. I was told to hold and was patched into XXXX XXXX. When he answered the phone I gave my name and stated I needed to speak to a supervisor. XXXX processed to insult me and the amount of money I made a payment for and continued to speak unprofessional, and yell at me. When getting off the phone I called and asked to speak to the a supervisor I was informed that XXXX was the owner and he would be back at XXXX. I was told that they are a small company of no more than XXXX employees and when I asked to speak to someone above XXXX XXXX. When I called back to voice my concerns over the unprofessionalism of XXXX XXXX I was then yelled at, over talked, disrespected and never once was assured that the way I was spoken to in regard to my debt was acceptable. XXXX over talked me and aggressively stated it was my problem and he was no longer dealing with me he was sending it to a lawyer and hung up in my face. 

My attempt was to make payment today and in regard to that I was never given the opportunity to do so. Instead I was insulted, disrespected and told how much money I couldnt afford the first time I made my payment. My initial concerns were to discuss the manner in which I was spoken to. I was now informed that legal action is now being taken against me for the debt by XXXX after he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMORGAN CHASE INC, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX DENY ELECTRONIC FUND TRANSFERS ACT XX/XX/XXXX, 15 USC SUBCHAPTER VI SECTION 1693a :  DEFINITIONS ( 2 ) ACCOUNT AND ( 7 ) ELECTRONIC FUND TRANSFER AND SECTION 1693i : ISSUANCE OF CARDS AND OTHER MEANS ACCESS ( a ) ( 1 ) RESPONSE TO A REQUEST OR APPLICATION and ( 4 ) VALIDATION IN RESPONSE TO REQUEST ( MULTIPLY REQUESTS MADE WEEK BEGIN MONDAY XX/XX/XXXX TO END XX/XX/XXXX ) AND RETROACTIVE APPLICATION XX/XX/XXXX IN WHICH BANKER STATED CARD RECEIVED BY ( USPS ) MAIL 5-7 BUSINESS DAYS AND VALIDATED PER THE APPLICATION. ALLEGED DENIAL RESULT OF IDENTFYING XXXX XXXX XXXX CRIMES AGAINST ME ORIGINATE IN XXXX COUNTY, NY ; XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX, NEVER PROSECUTORS, NYC CIVIL COURT ARTICLE 81 CAPTION, AND EVICTION XXXX XXXX XXXX XXXX NY. AND UNCLAIMED FUNDS

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I 've spent the last 6-8 months setting up payments with this company. 
they either lock me out of my account for two hours at a time. and i have to change my password every time. i have to call and manually make my payment. i was given the wrong information to post a payment and make my account current. this card charges me XXXX a month just to use it. i have gone late on one payment and i ca n't even log in to make it. my credit score just dropped 49 points because of this. its becoming a nightmare and i feel this a scam of a credit card.

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 2017-11-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.

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 2017-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I applied for a Bank of America rewards card. The terms were 13.99 % to 23.99 % depending on your credit. My credit is Excellent and over XXXX. When I received my credit card the disclosure showed my interest was 23.99 % I called customer service at Bank of America and talked to someone in Maine on XX/X/17. I asked her why my interest was so high when I have great credit. She tried deflect and said well it 's interest free for one year. I again stated to her that the web site said 13.99 to 23.99 and wanted to know why my interest was so high. I told her this was misleading and wrong. She stated she could not do anything about it. I told her I would never do any business with Bank of America. Is this a big deal maybe not. I am complaining for the people who do not look at the fine print and before they know it they are in financial trouble.
XXXX XXXX  Visa cash reward card XXXX XXXX XXXX XXXX You can publish this. I cancelled the card

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