vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent to the credit company a demand letter and it was not properly investigated.

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed items that were previously removed and items I know do not belong. Not once have I receive a written letter. I am not told what information the have been given as proof. I do not believe that a phone call to the collection/open account holder should provide so little as I " we say so '' or a credit statement with nothing in writing such as a signed document. They are taken at their word. I want to see exactly how they have come to this conclusion. Again, I have n't even gotten a letter. Even when they reinsert and item, no letter there either.

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 2017-03-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I attempted to dispute inaccurate information on my credit report pertaining to XXXX XXXX and a 30 day delinquency reported for the month of XXXX but was denied. XXXX XXXX has been an issue on my credit report for the past few months but Experian fails to conduct a thorough investigation in regards to reporting guidelines for creditors. XXXX XXXX continously reports delinquencies before the 30 day make has reached. The most recent occuring on my credit report took place on XXXX XXXX, 2017 when XXXX XXXX reported my account as 30 days delinquent. My payment is due on the XXXX of each month and my mot recent payment was submitted to XXXX XXXX by telephone on for XXXX on XXXX XXXX, 2017. At no time during my phone payment was it mentioned that I was past due for a additonal payment. The balance that wa reported to me when I asked was XXXX. My payment next payment due date is XXXX XXXX, 2017 and if an additonal payment is not submitted by that day then I would be considered 30 days past due. XXXX XXXX has a habit of reporting delinquencies well before they meet the delinquent mark and I have requested that Experian review my complete history with XXXX but instead they just confirm the informatin instead requiring documentation from XXXX XXXX. When I spoke with XXXX XXXX and file complaints against them they provide contradicting informaiton that suggest that they are follwing rules and in an attempt to stop any dispute process they try to request that I take a settlment in order to avoid arbortraion or any civil proceeding. I feel that Experian is allowing XXXX XXXX to provide inaccurate information purposely. I understand that each creditor reports information at differetn times of the month but my payment history reflects that payments were made before a 30 day dispute should have ben submitted. As of XXXX XXXX, 2017 I am 22 days past due. The balance they reported and the past due is also in correct. The balance that was reported t me was XXXX. Attached is a copy of my bank statement with my last XXXX payments and my original payment schedule which reflects that my payments are due on the XXXX day of the month which reflects that my account is still in good standing.

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 2017-03-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion was contacted on XX/XX/2017 via certified mail, signed receipt received on XX/XX/2017. The agency has not completed the investigation, nor did they notify me of their results. It has been over 30 days and a clear violation of the FCRA. I request the disputed information be deleted from my record.

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 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.

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 2017-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
in XX/XX/2014 i have moved out a apartment complex called XXXX in XXXX TX and they reported some fees to a collection company called National credit XXXX i advised them i have a letter that i turned my keys and garage opener and that they done the walk through with me and they kep saying that im refusing to pay and that they will take me to court i want some of the fees lowered and for them to work with me and they refuse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CA

Complaint narrative:
On XX/XX/2016 I started the ReFi of my mortgage with AnnieMAC, we did not close until XX/XX/2017. In the beginning I was working with a Loan Originator which seem like everything was fine, I responded to her questions and needs and did the same for me. A week before the election, my appraisal came back and all the other paperwork required, I emailed her make sure that we were locked in at 3.8 % with no points. The day before the election I tried to get a hold of her to make sure because with election, interest rates could go either way. I was unable to get anybody at the company, their phone tree prevented me from getting a live person. I finally got a number through the web page and talked to a receptionist, she help me get in touch with a manager, his name is XXXX, he told me that the loan originator that I was working with was no longer with the company, nobody from the company had picked-up her clients, and according to him she never locked me in at 3.8 %, by now rates had gone up to 4.125 % with 1 point. They assigned a new loan originator, his name is XXXX and I had to start all over again. I told him not to lock me in and that we would just watch the market and after doing all the paperwork again, underwriting kept coming up with more items for me to get, instead of making a list and sending it to me, they would ask for something, wait a few days and ask for something else and wait a few more days and ask for more and more. They seemed like they did not know what they were doing. Finally in XXXX tells me that everything is good and we can close last week of XXXX. I locked in on XX/XX/XXXX at what I thought was 4.125 % with a small out of pocket for me. Turned out he locked me in at 4 % with a little more than XXXX points. At this point I just wanted to get it done, I asked him if we could wait until the first week of XXXX to sign so I could skip the XXXX payment, he said fine. Then after the 1st of the year it started again, a whole of more inquires from underwriting, all the way through to XX/XX/XXXX. The whole process felt like these guys are a bunch of rookies. With what started out as a not cost to me ReFi ended costing me {$18000.00}. I have all the emails going back and forth if you need them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
I am paying for this loan when the school is out of business the school is named XXXX. I am paying to UAS XXXX who is handling my private loan for something I do n't attend to and went out of business. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
NAVIENT is always changing the amount due on my student loan. On XX/XX/2017 I talked to customer service since we have been receiving phone calls and emails about the payment not being made. However, I got a bill from NAVIENT saying the payment is not due until XX/XX/2017 in the amount of {$230.00}. NAVIENT customer service said they made an accounting error and that is why they are trying to collect more money. I should be getting accurate statements and payment due dates from NAVIENT. Additionally, NAVIENT should not be harassing me due to their own accounting errors. NAVIENT says we now owe {$400.00} for the month of XX/XX/XXXX even though my bill says {$230.00} is due by XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding , LLC and their subsidiary, XXXX, XXXX, XXXX had a judgment against me in XX/XX/XXXX and garnished my wages for four months in XX/XX/XXXX collecting {$3100.00}. The debt I owed was {$2500.00}. The debt was paid and they have recently started garnishing my wages again in XX/XX/XXXX taking {$830.00}. I called the legal department of my company and she stated that they collected the funds in XX/XX/XXXX and she does n't understand why they are garnishing my wages again. I 'm filing a complaint because I believe they are unlawfully taking funds from my check now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I found out that there was information in the XXXX that would not allow me to open another account, I called XXXX and showed them they were discahrged during bankruptcy and to udate my report, now when I go to open any bank account im still having issues even t ho I have proven bankruptcy discharge, and they are not willing to open an account I need help please

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 2017-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a home loan through PNC. I lost my job last XX/XX/XXXX and when I did I contacted them and told them what happened and that I would need assistance with my mortgage. They sent me a huge packet to fill out. I filled that out and got all the required information together and faxed it back to them. It cost me {$140.00} to fax it to them. Two weeks went by and I did n't hear anything. Then a couple months went by. I called and was told that I had been taken out of loss mitigation and put into forclosure for non payment. I said wait what? I filled out the packet and sent everything in. I called and left messages and no one called me back. So the lady told me that they needed more information. They needed my grocery receipts to prove I bought groceries, a bill for HOA fees ( I told them I do n't pay HOA I pay condo fees and I do n't get a bill ). A lot of stuff I ca n't get or that does n't exist. They wo n't work with me at all. I made a {$1200.00} payment and they said they are sending it back. They refused my payment!!!! Is n't there a law about refusing a payment that it 's considered bill paid in full? This bank is horrible period. They absolutely will not work with me at all and I have been trying for months. I have a little girl and husband. I 'm now connected with XXXX but they recommended I file a complaint with you. I 'm hoping you can help as well. Something has to be done with this company. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed multiple accounts online with Equifax on XXXX/XXXX/17. As of XXXX/XXXX/17, the investigation is ongoing. This exceeds the 30 days provided by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been the victim of identity fraud and have noticed that there is a collection account that appears on my credit file listed as XXXX. I have disputed the information several times and had it removed previously. The company in question can not send me any verification to prove that the account belongs to me. please have this account removed from my file as it is ruining my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
Was approved for a Federal Student Loan with XXXX University. I changed schools and consolidated the loan with XXXX XXXX. School did not appropriately clear information from database and sent my name and address to Conserv. Agent at Conserv XXXX XXXX kept calling send me threatening messages, it has become a nightmare, she calls from different numbers and threatens me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
My monthly payments have not been on here since 2009! I need you nto show this so I can remorgage my home, please correct this as sonn as possible. Thank you so much please notify me when updated at XXXXXXXXXXXX Thanks again XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
The debt was incurred from medical charges from an auto accident. The attorney settled the debt with the hospital. I have tried repeatedly to communicate with the collection agency and every time I call they say I have the wrong department and transfer me several times before hanging up. It is very frustrating and this is impacting my credit score which I have worked very hard to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
There have been many issues of the company consistently applying the payments to the wrong loan. No matter how many times they are told to apply it to a specific page they apply it to the wrong one. Which in turn shows me to be late and affects my credit. Thankfully I have them email the confirmation number so I can keep track of payments made. The company seems to be held unaccountable for their mistakes and continue to neglect the customer. I am personally fed up with them. This has happened for the last couple of years and They always try to get me to go into forebearance. Instead of solving the problem they put it off and still want to capitalize on interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have an auto loan with Ally Financial that, per contract, is due on the XXXX of each month. The XX/XX/XXXX payment was made on XX/XX/XXXX Although XXXX is a short month, this is still only 29 days past the due date of XX/XX/XXXX XXXX. Nevertheless, Ally reported me as being 30 days past the due date. The Credit Reporting Resource Guide ( used by all XXXX CRAs ), FCRA, and FCBA clearly defines a reportable 30-day late as being at least 30 days past the billing due date. 
" While a payment is late if not received by the billing due date, it does not become a reportable 30-day late until at least 30 days past the billing due date. ''

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Company caused my credit score to be much lower by not removing items over seven { 7 } to ten { 10 } years. Looks bad and overwhelming to would-be creditors. 
Reduces my credit score down to low approval. XXXX finds it to be XXXX while EXPERIAN calls it XXXX! I do NOT owe any debts. No bankruptcies, judgments nor the like, nor am I a co-signor for anyone. 
I want to be treated for the RESPECT that I deserve for paying on time since I first began working and obtaining credit at XXXX when I was in college and to date.

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 2017-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
An offer was submitted to Bayview Loan serving, for the full amount that Bayview stated as the value needed, $ XXXX. Bayview then stalled, first needing an updated document, then another, then " losing '' some documents, from XXXX/XXXX/17, when they were submitted, until XXXX/XXXX/17, when they were " found ''. 
At this time ( XXXX/XXXX/17 ) XXXX spoke to XXXX, in regards to our complaint ( made on XXXX/XXXX/17 ) that Bayview was intentionally holding back review of offer, in order for the previous BPO/Appraisal of $ XXXX to expire. XXXX stated to submit offer, and HUD, with current value, the full price offer that Bayview requested, and it would be escalated, due to the reason that conditions are there for a review. " Escalation '' took 14 days, on XXXX/XXXX/17, the decision was made to reject offer, and NOW countered to NEW XXXX of {$430000.00}. 
The offer was at full value at the time of viewing, and was at full value at the time offer to purchase was presented by Buyer. we have also submitted this offer to XXXX. We are filing this complaint today, we feel that the delay in approving the full price offer, and the refusal to allow this sale to go through, has harmed the Borrower. 
Today XXXX/XXXX/17, we submitted the documents to both XXXX and Bayview. XXXX XXXX, the Portfolio Manager called, after receiving my email sent to the rep assigned. He stated that he resubmitted the file again to XXXX for review, and it is escalated, and that we would have an answer in another 5-7 business days. ( previous escalation, with same exact language used, took 14 days ). I asked for a written explanation, stating the reason for offer 's rejection, and also a written explanation for Fannie Mae 's rejection of the allowable fees on the HUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a bankruptcy on my credit report, which came back verified. I checked with XXXX and the bankruptcy had been removed. I sent proof to the credit bureaus but they stated that they would not reinvestigate.

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 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WESTERN UNION COMPANY, THE
State: KS

Complaint narrative:
In XXXX I paid for and entered into XXXX XXXX XXXX XXXX XXXX. My mortgage payment was faithfully, automatically deducted bi-monthly from my checking account. Through a series of communications in an attempt to sell my property I discovered that my equity was never enhanced and that XXXX XXXX had given my account to Paymap , Inc . I also discovered that there was a lawsuit against Paymap for fraud. Can you help me recover any of the funds that Paymap, Inc. cheated me out of? I know the lawsuit was filed in XXXX, but I was never notified and although this practice was discovered to be fraudulent, Paymap, Inc. continued to defraud me until XXXX.

Company response to consumer: Closed with explanation