vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX  vs   XXXX   XXXX    AMEX. I have conta c ted Macy 's over 20 tim es to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as   XXXX   XXXX    . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not  medicine man ) imm ediately. I did that but brought th e Macy b ill with me and sent it out on time. I have been repeatedly told b y AMEX that t he death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a   XXXX   with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health trauma, they said  Macy 's AMEX has  no good will. It is possible that because it was sent from remote   XXXX   XXXX  , it could have been delayed. M y credit score  has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s demeanin g way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  Macy AMEX never d id show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane

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 monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: HI

Complaint narrative:
In  XXXX , I closed a mortgage with   XXXX   XXXX   XXXX   XXXX  . An additional {$5000.00} was transfered from  XXXX  to first American title company in escrow in a hold back status for a solar hot water heater improvement project. The project was never completed due to deployments. I recently contacted first American title to have the funds released since I now need to replace my hot water heater. They claim that they escheated the money back to usaa in  XXXX . They only supporting documents to back this up is an escheating report showing {$5000.00} and a bulk wire transfer of $  XXXX  to the unclaimed funds department of texas. I have been in contact with the title company, every department of  XXXX , all three mortgage management companies involved with my mortgage and  Noone  is able to locate these funds and release them to me. It has been 3 weeks without hot water in my home and I am at the end of my rope. I have been paying on the adjusted mortgage total that includes the {$5000.00} since  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I spoke  with two repre sentatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the la st five years, b ut nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I spoke wit h two represen tatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the  last five years,  but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I spoke wit h two  representatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of   XXXX   and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
XXXX   XXXX   took my phone when I switched from   XXXX   XXXX   XXXX   as part of promotion. I was owed   XXXX   dollars in credits for paying off my bill at   XXXX   XXXX   XXXX  . My old phones disappeared and  XXXX  refuses to give me the credits. I have spoke with several supervisors and all say they will take care of it. Now they say they ca n't help me and have sent the bill to collections at cbe group. I tried returning the phones immediately because of unhappy about the credits. They told me to hold on the credits will be applied. When they did n't and I called back they told me I was out of the time frame to return the phones. So I was stuck. The store ran my credit 3 times and nobody will resolve it. Now I owe  XXXX  dollars for the phones I was given by  XXXX  because they would n't return the phones

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc.
State: IL

Complaint narrative:
after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I refer to Nationstar letter dated  XXXX   XXXX   ( copy a ttached ) and wish to state as under  : 1. ) They say I got a Loan Mod as  of  XXXX   XXXX . In fact I had already mentioned about it and also stated that, that was not under HAMP. It was an in-hous  e Loan Mod.
2. ) Hence I was fully eligible for a HAMP Loan Mod. and submitted a Complete HAMP Loan Modification Package, which they confirm having rece  ived on  XXXX   XXXX . Now they are conveniently saying that it was an " incomplete package '', without ever mentioning what was missing, before the  XXXX   XXXX  deadline.    3. ) If it was, incomplete, then are they not supposed to ask immediately, as to what was missing? When my 3rd Party called to enquire about the status, instead of asking for any missing documents, they were only being told that I am not eligible for a Loan Modification, as I am regular with my payments.     4. ) Now, they also admit that they made a mistake in not reviewing my Loan Mod under HAMP, until  perhaps  XXXX   XXXX . How can they make such a big mistake and now turn back and say t hat HAMP exp ired on  XXXX   XXXX  or the package was incomplete, when they had my complete package by  XXXX  and no missing document request was ever sent to me before  XXXX   XXXX ?    5. ) Wha tever docs. requested through the  XXXX   XXXX  letter and subsequent letters were all submitted promptly b y my 3rd part y.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My last name is wrong on my credit report. My name is  XXXX   XXXX , not  XXXX   XXXX . There are phone numbers that do not belong to me on my credit report.     The first dispute was closed. Lets try this again!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My name is  XXXX   XXXX  In   XXXX  , a series of events caused me to fall behind on my mortgage payments. I contacted my mortgage servicer (   XXXX   XXXX    ) to tal k about reinstatement. However, the lender and its agents denied me the right to reinstate my mortgage because they grossly inflated the reinstatement amount by $  XXXX  which effectively denied me the right to seek all loss mitigation options and forced me into a wrongful foreclosure. The actions by the lender and its servicing agents are at the minimum grossly negligent or at worse fraudulent. I wa s only two months beh ind in my payments which combined was less than {$5000.00}, but instead of sending a notice that I could reinstate the arrears for the actual amount of arrears, they sent me threatening letters that I had to pay {$65000.00}! Please help me and my family.     Recently, the servicing of my mortgage has been transferred from  XXXX   XXXX   XXXX   to  Shellpoint Mortgag e.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MA

Complaint narrative:
I received my monthly statement from discover for  XXXX   XXXX  the to  XXXX   XXXX    XXXX  . It had an additional fee charged as minimum interest charge fee. I called to ask  Discover  what the charge is about and I was told by  XXXX   ( EMPLOYEE  ID #  XXXX  ) that it was for my  XXXX  purchase on  XXXX   XXXX . I argued that a purchase in the current statement should not be charged interest until the statement bill is due. I was told that since I did a balance transfer in  XXXX    XXXX  , all purchases after the balance transfer will be charged interest immediately. I reported that I wasnt told about this and this sounds pretty deceptive. She told me it was in the fine print of the balance transfers.   It just seems that this is another way of credit card companies to make money by not disclosing the terms and charging fees at very high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
I have sent numerous letters aboou t Northwest Collectors Inc. trying  to coooect a debt that is not mine. I tried contacting the original creditor,  which Northwest Collectors Inc. clai ms I owe, and there is no such company they claim. They have no file at the  XXXX   XXXX  hospital nor does the doctor mentioned know anything about this alleged account. So after my personal investigation this is a fraudulent account  and Northwest Collectors Inc. is   clearly providing false information of the original creditor. They can not provide any proof I actually owe them yet they still are reporting to all three major credit bureaus ;  XXXX ,  XXXX  and  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 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I was char ged 2 n on-sufficient funds fees on  XXXX / XXXX /  XXXX  . Looking at the attached account register, I was not overdrawn. I was told by Nevada State Bank that the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   and the  XXXX  charge that posted on  XXXX / XXXX /  XXXX   prompted the overdraft fees as the {$30.00} premier credit charge was pending.     I think the bank is manipulating transactions in order to get extra overdraft fees.     The bank did not have to pay anything at a service to me due to funds not being available. These items were not paid until after a deposit was posted to my account. & no negative balance shows prior to the deposit clearing.     As you can see from the attached account register, I was never overdrawn by any amount. I think the bank lacks in transparency in the way the accounts are set up. There is missing and confusing information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation
State: MO

Complaint narrative:
XXXX   XXXX ,  XXXX  -  XXXX   XXXX  assigned the balance owed them to Account  XXXX   XXXX  when in  XXXX  it was settled when returning for procedure again. I do not know of Acc ount Resolution Corp. but  I do  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
i have tried contacting origin al Debtor the will not give me any information or work with me on providing any proof that this is my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc
State: NC

Complaint narrative:
In the past, I had a debt with  XXXX   XXXX . However, in   XXXX  ,  XXXX   XXXX  issued me a 1099 forgiveness of debt form. I had to count th is 1099 as i ncome and pay taxes on it in my   XXXX   tax return. Despite that, the collection agency that is reporting this account to   XXXX   continues to list that I have an outstanding balance of {$7600.00}. They should be reporting the balance at {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NY

Complaint narrative:
XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 ti mes to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) im mediately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. My credit score has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s dem eaning way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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: NY

Complaint narrative:
XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 times to   remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) imme diately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. M y credit score has   been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in suc h s demeaning  way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane

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