vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When my husband was laid off, at the suggestion of the credit union, we modified our loan agreement to make lower payments  ( we were paid ahead ) in case we had difficulty making payments. My husband got a job  a few weeks later. We were never late or deficient. We moved and paid off the mortgage completely in  XXXX ,   XXXX  .     TransUnion continues to show that account as " Paying Partial Pmt Agmt ; Closed '' which reduces o ur credit score and re sults it being flagged with " Serious Deficiency ''.     They have continued to do this even after we have disputed it, even after the bank has provided a letter stating the facts of the matter, and even after MORE THAN 7 YEARS after the supposed " delinquent '' account has been closed.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
The  XXXX   XXXX ,    2016  application for a  HAMP 2 loan was denied because Nationstar INCORRECTLY calculated my Gross Social Security Income, and refuses to acknowledge and correct this ERROR, and approved me for a HAMP 1 loan  at a considerably higher monthly payment with less favorable terms.     ( see attache d 2 pa ges )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I own a  2nd floor office condo in an 18-unit, 6-story, 120-year old bu ilding  XXXX   XXXX   XXXX . In  XXXX ,   XXXX  , Peoples United Bank told me I had 30 days to purchase flood insurance on my property in  XXXX  or they would purchase it for me. I began the process and discovered that it was not possible to get this done in 30 days. In the meantime, the bank went ahead and purchased a policy for {$7500.00} and billed me for it. I managed to purchase insurance by  XXXX ,   XXXX   for {$2100.00}. Later, I discovered that the rest of the condo owners paid between $  XXXX  $  XXXX . This year I will renew at this cost. Also, none of the other condo owners were given this kind of a time frame.   The bank has deducted {$1800.00} out of my mortgage payment account, putting the account in arears and charging me for late payments. I have paid {$3900.00} for {$500.00} worth of insurance. I also have an engineering report stating that in reality, only the basement is considered to be in a flood zone ; none of the units in the building are. I also have a letter from FEMA station that the chance of our unit flooding is slim to none.   I am looking for the bank to return the {$1800.00} theyve withdrawn, remove any late charges, and make my account current. Ive made many calls to the bank, but theyve gone nowhere. My issue is not flood insurance, itself, its the fact that the bank is forcing a {$7500.00} policy on me, when the situation was not urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
In   XXXX   XXXX   I 've received a letter from a collection agency named : GC Services requesting me a payment or to contact the borrower service department to resolve my defaulted Student loan which I did. In   XXXX   XXXX   I signed the Rehabilitation Assistance Forms and sent my first payment to them in    XXXX   XXXX   . They collected at least  3  payments of {$5.00}. They stopped in   XXXX   and the Department the  Education  contacted me and told me that they do n't have that information in records and my student loans are still defaulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: EQUIFAX, INC.
State: DC

Complaint narrative:
To Who m It May Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to request one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   XXXX   of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Starting around   XXXX   XXXX   I 've been attempting to pull my annual report from Experian via  XX/XX/XXXX      Since then, I have been unable to pull my report. Every time, I get an unspecific error message about " a condition exists ... '' that prevents them from giving me an online report. The fact that this error has persisted for nearly a month is unacceptable and needs to be fixed.     Please work with Experian to fix this " condition. ''

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 2017-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
This is the second complaint files with cfpb regarding the same problem Cfpb closed the other complaint  (  #  XXXX   ) b efore any resolution was made. The original complaint was that my loan mortgagor failed to provide a {$5000.00}  XXXX  incentive on   XXXX   XXXX   claiming that I had not filed Treasury forms. The forms were in fact filed, and Nationstar Mortgage has tracked them down due to my last complaint and said they were going to send them to the Treasury, and that barring any mistakes in their filing, I should receive the incentive by   XXXX   XXXX   XXXX  . I have called my customer service representative  (   XXXX   XXXX   XXXX   ) at    Nationstar and have left two mess ages for her to call me regarding and update on her progress as the incentive has yet to be applied to my account.   As of   XXXX   XXXX   my mortgage will increase which is based on my principle balance. This balance should be {$5000.00} lest than the number they are using to calculate my new payment. It also should have been used in   XXXX   XXXX   XXXX   to calculate the increase which was imposed back then.   In short, I filled in and sent the appropriate forms for th e HAMP incentiv e in a timely manner, and the incentive was to be " automatically '' deducted from my principle on   XXXX   XXXX  .  Nationstar failed to sen d in their Treasury forms regarding my incentive, and have calculat ed two ( 2 ) year s of mortgage incorrectly. And their customer service representative  (   XXXX   XXXX   ) re fuses to return my phone calls.   Supporting documents have been sent to cfpb when filing the previous account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I learned that TransUnion Credit Bureau experienced a database glitch on  2 diffe rent occasions, summer of  XXXX  and early  XXXX . On both occasions Transunion deleted ALL inquires from  EVERYONES  credit bureau. Once TransUnion realized there was a glitch, they re-added the inquires back to the credit reports. I was never notified that TransUnion would be adding the inquires back on my report. It is illegal for them for any other credit bureau to remove reportin g s from you r bureau and then re-add them with out notifying the consumer 5 days prior to re-adding them. I called TransUnion on  XXXX / XXXX / XXXX  a t    XXXX   XXXX   and spoke to  XXXX   XXXX . I stated what my issue was and that I was demanding that the inquires be removed. Af ter 5 min utes of discussing the matter with  XXXX   XXXX , I asked for her supervisor.  XXXX  than transferred the call to  XXXX  who stated she was a supervisor. I explained to her what my issue was.  XXXX  when on to tell me that my social security number was not affected. I advised her that EVERYBODY was affected by this glitch. She recommended that I write a letter to the creditor and asking them to remove the credit inquires and send in with a letter of authorization. Shortly after that call I decided t call back because I was not happy with the answer. I called back  at    XXXX   XXXX    and s poke to a gentleman name  XXXX   XXXX . I explained to him the issue and he went on to tell me yes there was a database glitch but after looking in his system I was not affected. I asked him how can he prove it to me that I was n't affected. He stated that he would send me a credit report. I advised him that I had a credit report. The issue is that TransUnion did not following protocol by notifying me that the inquires were being re-added and if I was no t one of the mill ions of consumers that was affected then prove it to me. He went on to say he ca n't he can only tell me what 's in the system and that the glitch has been corrected. I advised him that I know the database glitch was corrected and things are running as they should be now. We disconnected the call.     I would like to have these inquires removed from my credit bureau. As it was against the law to re-add anything to my bureau without notifying me in writing 5 days prior to.

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 2017-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I have received numerous amounts of calls DAILY since  XXXX / XXXX /   17  at both my place of employment and personal cell. I stated to the employees (  XXXX  and  XXXX  ) and a gentleman, that I would pay it on Friday  XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today  XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time  XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
RE  : modification and  RICO Enterprise  Bank of America must face claims that it and another company violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the  U.S. Court of Appeals for the Tenth Circuit  reinstates purported class claims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ), a  settlement company, feigned compliance with guidelines under the Home Affordable Modification program  ( HAMP )  while modifying as few loans as possible.     Massive consumer victory upholds claims that  BOAs HAMP  mortgage-modification program was a   RICO enterprise The nations seconds largest banking institution, Bank of America must face a class action lawsuit over RICO and promissory estoppel claims for conspiring to obstruct, delay and deny their Home Affordable Modification Program ( HAMP ) applications.
Bank of America must face claims that it violated federal anti-racketeering laws by denying loan modifications to eligible borrowers, a federal appeals court The ruling by the U.S. Court of Appeals for the Tenth Circuit reinstates purported class c  laims by  XXXX   XXXX  and other borrowers that Bank of America and  XXXX   XXXX   XXXX   (   XXXX   ),  a settlement company, feigned compliance with guidelines under the Home Affordable Modification progra  m ( HAMP ) while modifying as few loans as possible.
I feel the BOA has on so many levels absolutely is a RICO ENterprise and has put me in the in the the group of modifying as few loans as possible in the correct modification best see fit to assist me.
I did file an appeal in my last modification because of the status that my husband was unemployed. My service lender at the time said nothing else could be done! SO once again your facts are completely inaccurate and again unwillingness to have a mortgage loan forgiveness principal reduction or rate adjustment I am completely confused on how you can state a interest rate does not factor in until after a trail period?? I will not agree to a trail period without knowing what interest rate I am at?

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I contacted  Wells Fargo Bank  on the   XXXX   XXXX   XXXX   XXXX    , and asked that my Secured Card account be closed, and that the collateral money  ( {$500.00} ) be t ransferred to my checking account within the same banking system. I called them back on the   XXXX   XXXX   XXXX  , and was assured that the monies were cleared to be placed into my checking account. I checked my checking account on the   XXXX   XXXX   XXXX  , and noticed there were no changes. I called the banks headquarters in   XXXX   XXXX  , and was told that they were going to handle my financial affairs for 60 days.

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 2017-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LENDER LIVE
State: CO

Complaint narrative:
I had a mortgage through Lender Live  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX  PA  XXXX . My loan includes escrow payments to cover the property taxes and the homeowner 's insurance.     In  XXXX   XXXX  Lender Live failed to pay the homeowner 's insurance and it lapsed. I paid the insurance personally once I became aware of the problem and was eventually reimbursed.     In  XXXX  of  XXXX  I decided to check and see if the property tax had been paid and I discovered it had not. I paid that personally as well.     The property taxes were due on  XXXX   XXXX . Lender Live sold our loan effective  XXXX   XXXX  and they did not pay the property tax. I have asked for a full accounting of my escrow account. They have no explanation for why they are collecting the escrow and then failing to responsibly pay the bills when due. Lender Live is no longer the loan servicer but when I contacted the new loan servicer they were unaware of where the escrow payments should go and also said there was no indication the escrow was to pay property tax as well as insurance. The total escrow collected is significantly more than the total of the taxes and insurance.     I think Lender Live is horribly disorganized and irresponsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: FL

Complaint narrative:
Just received results of  a 2nd dis pute with Equifax for the same issue and there is no way Equifax verified the account status. Equifax is still reporting the same inaccurate information. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12 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: FL

Complaint narrative:
Just received results of  a 2nd  dispute with  XXXX  for the same issue and there is no way  XXXX  verified the account status.  XXXX  is still reporting the same inaccurate information. Please see attached documentation.

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 2017-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
To Whom  It May Con cern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reque st one. Before, t his never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

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 2017-05-12 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
To Whom It   XXXX   Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to reques t one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   tire of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!

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 2017-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
On  XXXX ,  XXXX , I received a claim demand from Register of Wills for {$1900.00} from   XXXX   XXXX   XXXX   XXXX  . The alleged debt of {$1900.00} was a  JC Penney MasterCard a ccount owed to Synchrony bank. I contacted a representative (  XXXX   XXXX  ) of   XXXX   XXXX   XXXX   XXXX   who stated she could not dis cuss the JC Penney MasterCard  of  XXXX   XXXX   XXXX   XXXX  with me because  XXXX   XXXX  was the executor of her estate. I explained to the representative that I was co-administrator of  XXXX   XXXX   XXXX   XXXX  's estate. The representative refused to discuss t he JC Penney MasterCard  account with me until she received permission from the executor.  XXXX   XXXX  told the representative no, until I told the representative to tell  XXXX   XXXX  I had just received a claim demand from Register of Wills with listed as co-administrator.     I rejected the claim of  XXXX  from  XXXX   XXXX   XXXX   XXXX  because  XXXX   XXXX   XXXX   XXXX  had suffered from  XXXX  for several years, and survived Multiple   XXXX   for 18 years. My mother 's death certificate stated her primary cause of death was   XXXX   XXXX   and   XXXX   XXXX  . Her primary caretakers (  XXXX   XXXX  and  XXXX   XXXX  neglected her basis medical care until she changed her will.     I requested the  Synchrony Bank-JC Penney MasterCard  provide me with the original signed cardholder agreement and all credit receipts since the account was opened in  XXXX , when my mother was  XXXX   XXXX   XXXX  and di not qualify for credit life insurance.      XXXX   XXXX   XXXX  several unauthorized cash transactions of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX ,  XXXX   XXXX .  XXXX   XXXX  or  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  or  XXXX   XXXX  signed any or all credit receipts using  XXXX   XXXX   XXXX   XXXX  's name, then their acti ons constitute credit card fraud and identity theft which is illegal under Federal and State bankin g laws.

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