vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I received an alert on XXXX/XXXX/XXXX that there were missed payments being reported to XXXX relative to SPS Mortgage loan. Please note, the account was incorrectly reported as 150 days late to XXXX as of XXXX. I submitted an online dispute through XXXX on XXXX/XXXX/XXXX as SPS took over servicing of the account effective XXXX/XXXX/XXXX ; therefore, account could not be 150 days reported late if they only serviced the account for 60 days. XXXX dispute results received today, XXXX/XXXX/XXXX and SPS did not update their reporting information to reflect the accurate number of late payments. 

Further the account was previously serviced by XXXX. XXXX XXXX already filed record of 60 and 90 days late through credit bureaus. SPS Servicing is double dipping on the late payments recorded I believe as a result of my separate complaint filed with CFPB for the intentional mishandling and delay of my loan modification. I am respectfully requesting they remove these incorrectly late payments and update to match the time they have serviced the account XXXX/XXXX/XXXX. If they had not mishandled and intentionally caused a delay in my file handling - I would not be going through this long standing impact to credit file. Please note my first loan with XXXX Mortgage was modified back in XXXX within 60 days based upon the same information submitted to XXXX and subsequently SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: NY

Complaint narrative:
TransUnion transferred me five times two five different foreign Representatives that was unable to read unable to help me and continuously one by one they said the same exact line to me and forward me to the next person that said the same line over and over no one was able to help me I have for hard inquiries that I need removed

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 2017-10-18 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: PA

Complaint narrative:
Experian report number XXXX dated XXXX XXXX, 2017 1 ) This report indicates I have two social security number variations. Please remove the incorrect number. The correct number is XXXX. I can not see the full numbers on the report because they are masked, however, I have only one social security number. 

2 ) This report lists two telephone numbers that are not mine. Please remove the incorrect numbers which are XXXX XXXX XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2017-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JP Morgan Chase via their attorney-in-fact, XXXX XXXX XXXX and their other attorney, XXXX, XXXX XXXX XXXX, had submitted a motion for summary judgement ( foreclosure ) against me and obtained a judgement from XXXX XXXX XXXX, XXXX XXXX on XXXX. I have been dealing with XXXX since 2009, having received the foreclosure summons XXXX after submitting the last payment of a six month trial modification on XXXX. The last modification payment was then returned with a letter stating " check does not reinstate loan ''. I also did a short sale in 2011 which XXXX had approved but then decided several months later that I needed to pay them XXXX in addition to the short sale ( I have this phone conversation recorded ). I hired attorneys in XXXX XXXX. 
The supposed original trustee was XXXX XXXXXXXX XXXX. My securitized mortgage was then transferred to XXXX XXXX in XXXX. JP Morgan Chase then transferred the servicing rights of such mortgage to XXXX in XXXX and now XXXX states they are attorney-in-fact for JP Morgan Chase Mortgage XXXX. 
The judgement they obtained was fraudulent and violations against XXXX, XXXX XXXX XXXX were made as seen in the answer to the original complaint ( filed with other people having the same common last name as myself as defendants ). The person who signed the affidavit testifying to the facts was supposedly a document specialist for JP Morgan Chase but as I recently found out, XXXX XXXX XXXX has never worked for JP Morgan Chase ( the motion with all of it 's violations plus the affidavit are attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
I took out a student loan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in  the summer of XX/XX/XXXXto attend XXXX University. My mother, father, and grandmother are co-signers. At this time I was led to believe that HESAA was a federal loantheir literature said that they were federal and there are photos of Governor XXXX XXXX and the New Jersey state seal on their website. I took out another loan, again with my mother, father, and grandmother as co-signers, through HESAA in XX/XX/XXXXto attend graduate school at XXXX University, again believing that it was a federal loan. I began to make payments on the loans in the fall of XX/XX/XXXX, after I discontinued my graduate education. At this time, I realized that they were not federal at all, given that there were no options for income-based repayment. Ever since, I 've been dealing with their exorbitantly high repayment options and inhumane methods of communication ( constant phone harassment and very rude customer service reps ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRESTIGE FINANCIAL SERVICES INC
State: AZ

Complaint narrative:
I have had my car for XXXX XXXX and was in need of an extension for a payment due to having to move. I was on auto pay and advised them to remove me from auto pay due to the situation. When I asked for an extension I was advised I know it wo n't be approved without the agent attempting. 

I have received multiple text messages from the company and calls. I texted back and advise them to seem to cease communications because the calls and text were harassing me. However I have contionisly received phone calls everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: FL

Complaint narrative:
I got my first loan in XXXX. My loans have been sold to new servicers repeatedly. I had my interest down to XXXX at XXXX point but every XXXX time they resell my loans it keeps going up. It 's currently around XXXX. This ridiculous. Technically my loans were paid off by these companies who keep reselling my loans without my permission or knowledge I might add. How is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XXXX XXXX 2015, I noticed while checking a copy of my credit report, a charge for a line of credit that I did not request. The company was " XXXX XXXX '' financed by " Capital One Retail Services '' and the amount was {$1300.00}. I immediately contacted Capital One and all three credit reporting bureaus and informed them in writing via certified mail of this error. It is important to mention that up until this time, they did not have my mailing address and therefore had not been able to contact me. I also should mention that I have never been in a " XXXX XXXX '' store. I clearly informed them that this was a fraudulent activity or a mistake and I requested documented proof which is my right and which they are obligated to provide at my written request according to the Federal law which is governed by the " Fair Credit Collections Act '' and the " Fair Credit Reporting Act '' as enforced by the Federal Trade Commission. They failed to provide any documents and continued to harass me for this debt eventually selling the debt to " XXXX XXXX XXXX '' a collections agency. Similar written requests were made with this collection agency with similar results. They have violated my rights as well by failing to show proof of the validity of this debt. 
They continue to harass me for this debt and are negatively effecting my credit report and FICO score, again violating my legal rights. 
It should be clear to them of the following facts that they continue to ignore. First, the name on the original Capital One charge is " XXXX ''. My name is " XXXX ''. Second, I reside at XXXX XXXX XXXX XXXX NOT XXXX XXXX. And lastly, they have refused to send me a document that I signed with my social security number and signature. Why? because no such document exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: MA

Complaint narrative:
On X/X/17 I received a statement from Discover Student Loans which disclosed that I have only paid {$18000.00} and only {$1600.00} went to the principal of the loan. {$17000.00} went directly to the interest of the loan. My credit rating and my co-signer 's credit rating has been negatively effected. The company changes the monthly amount expected as the interest rates change. After paying {$18000.00} in one year, I feel their tactics are predatory and unconscionable. Federal student loans are regulated by the government for debt to income and options for repayment. Private loans such as this one, have managed to gone unregulated. Anytime I have attempted to reach out to Discover Student Loans they are unwilling to to find additional options to help. I have expressed numerous times that I am having trouble finding consistent full time work and that their payments are just too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HONOR FINANCE, LLC
State: FL

Complaint narrative:
I went in and bought a new car. The company backed out of loan after booking it issues with title brought the car back. Called the financial company and asked when it would fall off my credit because I had to buy another car and they where reporting new opened auto loan. They said a couple days. Then a couple weeks later it was still their and the new financial company is requested a letter showing I do n't owe this. When I called honor financial they said they never reported to my credit and was very rudely treated. So I sent a letter in writing by email to their funding department and the vp of the region. And got no response and still no letter and still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
XX/XX/XXXX I called XXXX to make payments on four private student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XX/XX/XXXX. I  immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XX/XX/XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XX/XX/XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, Visa closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX Bank failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX Bank did any officer or employee notify me that your bank created money by a journal entry ( out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX Bank has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXX Bank. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

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 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
After sending a XXXX debt validation letter XXXX/XXXX/XXXX, Central Financial Control failed to respond with a letter stating that I will be held financially responsible the accused debt of XXXX a signed copy of a XXXX letter with my signature, and/or any form acknowledging the debt will be forwarded to collections AND reported to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: MD

Complaint narrative:
XXXX XXXX failed to address fraudulent activity submitted through a denial or an acceptance. Silence is acquiescence. I have provided the facts about the fraudulent activity where the bank created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. In none of my transactions with XXXX XXXX did any officer or employee notify me that your bank created money by a journal entry XXXX out of thin air ). 

The information reported to the credit bureaus is fraudulent as I have rescinded my signature from the original application due to fraudulent activity. 

The letter to XXXX was a signed affidavit. Attached is an unsigned copy as reference. 
XXXX XXXX has responded to my letter agreeing to close the account, but did not remove it from the credit report nor did they address the fraud. As a result I no longer have an authorized account with XXXXXXXX XXXX. Any credit reporting from the account noted in the attachment is additional fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, Thank you in advance for your help. I get my pay check first of the month, the due date on my credit card is the XXXX of the month. I have capital one XXXX XXXX. I wrote them a letter requesting that they change the due date from the XXXX of the month to the XXXX so I can make the payments, that way I wo n't charged late fee of XXXX  which I was charged last month. If you could please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
On XX/X/2017, XXXX XXXX XXXX responded to my HIPAA debt validation letter without proof that I was initially notified that the debt would be reported to all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
Received personal credit report produced by XXXX  with the XXXX logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-18 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: VA

Complaint narrative:
The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18 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: VA

Complaint narrative:
The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.

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 2017-10-18 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: VA

Complaint narrative:
The estimated month and year that this account will be removed is different on my credit reports. The open date of the account is incorrect. The last payment date was after the closed date which is incorrect because no payment was made after the account was closed. And my credit report is showing on time payments after the closed date, which is obviously incorrect. I asked the credit bureaus to remove the inaccurate information, however they have failed to do so.

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 2017-10-18 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: Innovis
State: NJ

Complaint narrative:
Received personal credit report produced by XXXX with the Innovis logo on the report that was sent to me. The following phone numbers and addresses were never associated with me and should be removed from the report. They are as follows : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The following phone numbers were never associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation