vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Please investigate this fraudulent inquiry as I did not authorize this credit inquiry from your company. You are reporting inconsistent, incomplete and inaccurate information on my credit report and I DEMAND this inquiry to be permanently DELETED from my credit report. Please provide signed documents with my signature or any other documents showing I supposedly applied for an account on XX/XX/2019? Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report.I only want you to respond via CFPB. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
Our mortgage company, XXXX XXXX XXXX, transferred our loan to PHH Mortgage company. We have been recently denied a modification and as a result are facing foreclosure. The problem is PHH mortgage is not able to give us an accurate amount owed so we can resolve our arrears! 
We received a statement stating the arrears are XXXX. Then I spoke to XXXX today from PHH ( XX/XX/19 ) stating the arrears are XXXX. My husband spoke to someone yesterday who stated the arrears are XXXX! 
We have made payments we have receipts for that have not been applied to the delinquency, because according to XXXX, the loan was transferred and payments have not been updated! The loan was transferred almost a year ago! 
We have asked the company 's OMBUDSMAN to intervene several months ago and do a payment search and he has not given us information either. 
We are requesting your help. We are facing foreclosure and would like to know the amount we owe so we can try and resolve this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
XX/XX/2019 received a call from XXXX XXXX while I was at work on my work phone. He was looking for a XXXX XXXX, possibly my sister who lives in another town. I politely told him he was violating the law by calling me at work to track down my sister who I have not lived with for 30+ years. he then used profanity cussed and slammed the phone in my ear. i called the company back to speak to a supervisor, was put on hold and then disconnected. I personally do not have any debts. Earlier in the day he called my son as well, who is XXXX yrs old and a XXXX  in college. 

The company is : XXXX ( XXXX XXXX XXXX ) in XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ( Office ) XXXX XXXX ( XXXX XXXX ) XXXX This was very abusive and both my son and I, completely unrelated to their matter, were subjected to abusive language. 

I asked XXXX for the address of his company and he told me not to get in his way and that I should learn the laws as he was not violating any and hung up. I was able to find the above on the internet which matched his number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have problems repaying my student loans due to Navient student loans and XXXX XXXX College over charge. I believe I owe some of my student loans but the excessive amount listed is outrageous. My Student loan debt is {$110000.00}. I was not aware that my student loan debt was outrageously high I know did not apply for all those loans. I've paid 9 % of my loan. Also I know my loans should not be this high I was not in school that long because I withdrew from school. I have never received my degree from XXXX XXXX college. I contacted them recently to find out how many credits and they would not give me the information unless I submitted an application for enrollment and wanted to charge me for information I needed to just verify how many credits i had to achieve my degree. My credit has been forever been messed up due to this massive student loan debt and Navient never told me that with the account in forberance they charged me and excessively on the student loan. I am unable to get a house or live. XXXX XXXX college  messed up my life like Navient did. I was never offered a repayment plan until XXXX XXXX now my loan is in the XXXX how can I pay this. I'm stressed over this I can't do this anymore. What am I to do Navient lied to me and did not help me they dug a hole for me. XXXX XXXX college signed my name to documents and kept money. I found that they kept money from many students who attended. Please help me. I work as a XXXX XXXX  and I have no money. I explained that to Navient and they always placed my loans in forbearance and never offered any other options. Now I'm stuck with such a high balance on my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: OH

Complaint narrative:
I'm writing this letter on my behalf, regarding my hardship denial. I am aware that I was denied due to my hardship not being turned in on time. The basis of my complaint is there were several different representatives that were providing contradicting information on the proper protocol and exact instruction and nature of the hardship appeal process. The offset was posted on XX/XX/19. I had within 30 days to have that in and you received my hardship on XX/XX/19 3 days after. Upon my request for the hardship I spoke with more them 1 representative on the day of XX/XX/19. Trying to get clarification on the process because I was told something different each time. The original offset letter was sent to the wrong address twice interfering with the 30 days I had to submit the application. Due to the fact of giving me misrepresented information my application was received 3 days late. I understand the decision was made on XX/XX/2019. However, I understand there is accountability to remedy issues that cause clients financial harm and extended hardships. I was unable to act according to the protocol because the information provided was in fact not accurate yet provided by the agents of U.S. Department of Education ( customer service representative ). 
I was facing eviction at the time and because of me not receiving my refund, I lost my home. I'm currently experiencing homelessness. Living in my car since XXXX. I have an XXXX  XXXX that affects me working at times, which Im currently going through. I was looking to my refund to help with catching up on bills and establishing housing. I was unable to do that and suffered a financial injury due to bad information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly a past due amount on the XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have two item on my Equifax credit report both with XXXX XXXX XXXX one in the amount of {$500.00} and another in the amount of {$700.00} i can not identify with, these two item and tried with no success to request any sign documents or any original contracts that was signed to prove accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EQUIFAX, INC.
State: VA

Complaint narrative:
All 3 credit agencies are reporting my home address as and XXXX XXXX.

They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX.

They also list additional addresses which I've never lived at or paid and received bills for.

Despite repeated phone calls and letters refused to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX  to make my monthly payment to The Money Source, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid The Money Source {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XXXX, XXXX XXXX  sold my loan to XXXX. However, when I received my first statement from XXXX, I was surprised to see that XXXX was not reflecting any of the payments I made to The Money Source. I contacted all three companies involved : XXXX, The Money Source, and XXXX XXXX. XXXX and The Money Source were telling me they owned the loan. However, XXXX XXXX  assured me The Money Source was wrong and that XXXX owned my loan. When I asked XXXX XXXX why my payments to The Money Source were not being reflected by XXXX, they did not know the answer. As of today, The Money Source and XXXX are saying I owe them my normal monthly payment on XX/XX/2019. 

In short, XXXX XXXX  has created an issue where two different lenders/loan servicers believe that I owe them for the same loan. I have tried to resolve this issue with all three companies but they all tell me they will investigate or look into the issue at hand. 

I am filing a complaint to ( 1 ) get assistance resolving this issue, ( 2 ) to inform others of the issue that I had, and ( 3 ) to help the industry improve and remove bad players who don't do things as they should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: TD BANK US HOLDING COMPANY
State: WV

Complaint narrative:
My name is XXXX XXXX. I am writing concerning Target and how they report payments as being not paid. In XX/XX/XXXX maybe XX/XX/2019 I was late and behind on my credit card payments and considered giving up and not paying at all. I quickly decided against the idea and seen on their payment page they offered a payment plan. So, after talking everything through with my wife we decided together this would be the best course for us even though we knew Target was still getting more than we would owe.But, after a few months and a totalled vehichle we needed to purchase a new one we started checking credit rteports to find out where we stood with our score. I quickly seen Target has been reporting to the credit reporting agency 's we are late with our payment. I called and spoke with several Target customer service agents and all I given was no help. I tried through credit disputes with XXXX and XXXX no help. My problem is Target allows customers to agree to these payment plans on their website and then you make the payments as agreed upon and they still report you to the credit bureus as being late which in turns cost me 20 to 30 points every month on my credit report. I am trying to pay my bills and feel bad in the first place for getting behind however I feel duped in away thanks I hope this makes since

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly a past due amount on the XXXX partial account number XXXXXXXX. ( Please see page 4 of the attached credit report. ) This vehicle was involved in a car accident and totaled. The insurance company paid all of the balance with the exception of a small portion remaining which will be paid on Friday, XX/XX/2019. Please remove this line item from my 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 2019-06-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
While shopping for a XXXX TV I saw they offered financing with 0 % APR for 6 months. I applied, got approved for {$1200.00} and bought a {$400.00} TV. 

The marketing for this financing does not show that it is for a " credit card '' with monthly payments. I never received anything in the mail, until three months had passed and at that time I missed two {$11.00} payments and now have one 30 day late on my credit report. 

I have worked in XXXX for XXXX, XXXX, XXXX XXXX and XXXX and I know how to XXXX  financial products and services and how they need to be explained up front. This was truly mis-leading ( see attached ). 

I need TD Bank to remove the 30 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
there is a collection account that was reported on my credit bureaus XXXX, XXXX and XXXX in the amount of {$1000.00} this is from XXXX XXXX XXXX, and is being services by credit collection services XXXX XXXX XXXX XXXX MA XXXX I have contacted them and XXXX XXXX as first of all I changed insurances in XX/XX/2018 I  switched to XXXX XXXX I notified the agent of this change, they continued to bill me and caused an overdraft in my account before finally cancelling the insurance. also I never received anything from the collection agency I found out about this when it showed up on my credit report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NH

Complaint narrative:
Our mortgage company, Lakeview Loan Servicing , LLC has not been paying the property taxes even though we have been escrowing monthly payment ( {$460.00} ) ever since the inception of the loan. We received notification of tax delinquency in XX/XX/XXXXand reported it right away, following up with faxed documents and phone calls at least six times since. Now the town will be placing a tax lien on our property Monday. Our last mortgage statement shows an escrow balance of over {$4000.00}. We have never been late with a mortgage payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On the XX/XX/2019, Ocwen mortgage provided a mortgage reinstatement quote. At the same time, I received a notification of mortgage loan service to XXXX. Ocwen and XXXX are one in the same company. I contacted XXXX to get a reinstatement notice but told it would take 5 business days. Yet the Ocwen system could immediately provide me with a quote. To prevent additional fees being charged, I bankwired {$18000.00} to Ocwen from XXXX XXXX XXXX. As of this date, I've deal with Offshore call centers who are absolutely clueless and are showing nothing. One would think that a bankwire and the loan status, would get priority when processing a bank wire. I've bank wired funds in the past to Ocwen and they were applied immediately. I'm tired of the run around and the clueless call center employees. I want the funds applied as of the XX/XX/2019 when they were received I've attempted to contact the CEO or the executive response unit. Nothing exists as I suspect they would be inundated with complaints like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc.
State: MN

Complaint narrative:
Sagestream llc came up on my credit report back in XX/XX/XXXX so on XX/XX/2019 faxed my info to them i called them 3 times no respond all I want is my consumer report I'm at a dead end just trying to figure out whats on there report I need some help.Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: VA

Complaint narrative:
All 3 credit agencies are reporting my home address as and XXXX XXXX. 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX. 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
All 3 credit agencies are reporting my home address as and XXXX XXXX 
They have my street number and name correct, the town and zip are correct but there is no XXXX XXXX 


They also list additional addresses which I've never lived at or paid and received bills for. 


Despite repeated phone calls and letters refused to correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and these line item needs to be deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: TX

Complaint narrative:
XXXX ; Experian and XXXX  are reporting incorrectly a collection for {$5500.00} for XXXX XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) I have never resided at XXXX XXXX and I have no idea how this item can be reporting on my credit report. This is clearly an error. I have contacted the ( 3 ) bureaus to have this removed, however I have not been successful. This negative reporting is harming my credit score and  these line item needs to be deleted from my 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