vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX, I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

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 2017-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
A company took advantage of me and my information that is not in any regards to my loan people

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I make a double payment to my HELOC loan each month ; one to cover the payment due plus extra for principal and one that is just put towards principal. 

On XXXX XXXX, I was notified by my bank that my payment had been refunded to my bank for the reason that my account was closed. I immediately called XXXX XXXX, the holder of the loan to inquire the reasoning behind this. They informed me that their loans were now being serviced by XXXX XXXX XXXX XXXX XXXX. 

I then called SLS, Inc. and retrieved all of my account information, set it up in auto-pay with my bank bill pay service and thought everything was taken care of. 

In XXXX, I was informed by SLS that outstanding payments were due from XXXX ( of which I have documentation that they were credited to our XXXX account ). In addition, they were not receiving payments from my bank. Although my bank had been sending them, and monies had been taken out of them. 

Sometime in XXXX as well, I was notified by my bank that SLS had refunded monies sent to them because they did n't know who I was or what account to be crediting the payments to. 

SLS has accepted several payments and I believe credited those payments to our loan, however, last week I received a notice of default. 

After many calls to them, this issue remains unresolved. I am incredibly frustrated with them and fear that their incompetence will impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Pacific Union Financial, LLC
State: GA

Complaint narrative:
Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the Senior Mortgage Loan Officer, informed me that Pacific Union is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that Pacific Union remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at ( XXXX ) XXXX. 

Thanks In Advance! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I had a line of credit with Advance Financial but during the loan I got laid off. I was paying a monthly minimum to keep the loan from defaulting. I was offered a settlement of {$500.00} to settle the loan ( they recorded this offer ). When I called back to pay the loan off, the offer had changed dramatically to nearly {$3000.00} which I can not pay. The ridiculous interest is so high ill never be able to pay this off. I want the originally offer of {$500.00} enforced so i can end this mess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I moved in XXXX of XXXX to Florida. In XXXX of XXXX, I closed my checking account with Citizens Bank. I then received a note date XXXX XXXX, XXXX, that said I owed an additional amount of {$300.00}. I asked why and they told me that they processed bills to my account. I asked for a statement of those payments, and was denied. I was then told I owed additional money on top of that statement and that I now owed them {$330.00}. Which I then paid to close the account. I then received a call and was told that I owed them {$1100.00} in XXXX of XXXX. Which I sent a check to the address that they gave me. I was called twice after that and told I still owed that amount. Next I received a mail from them stating that I owe {$80.00} for late payments. I complained and they stated they would waive the fees since I had paid the earlier amounts. However, they have called my home 3 times since then and today I heard from my elderly father that they called him about it. This is unbelieveable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My husband and I moved cross-country early this year, and paid for both of our comprehensive credit reports through Experian so that we could have our credit reports to give to property management companies to look for rentals. As such, we were charged {$39.00} on XXXX/XXXX/XXXX for these services. 

However, on that date, we were unknowingly signed up for an Experian membership of some sort. We were not aware of this membership nor did we agree to the charges. We did n't access or use this membership in any form. Unfortunately, we only just recently caught this. 

We were charged {$4.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$19.00} on XXXX/XXXX/XXXX, {$24.00} on XXXX, {$24.00} on XXXX/XXXX/XXXX, and {$24.00} on XXXX/XXXX/XXXX ( this last one was refunded, see below, the rest totals {$170.00} ). 

We called Experian on XXXX/XXXX/XXXX. After lenghty holds and speaking to a manager, they only agreed to refund the pending transaction that was scheduled to be paid on XXXX/XXXX/XXXX. 

That any company, let alone a credit monitoring service that we have to use for things like securing housing, could unknowingly sign customers up for a membership should be illegal. That they responded with poor customer service makes me feel completely powerless and without any right to dispute these charges. 

I called Experian back on XXXX/XXXX/XXXX to file an official complaint with them, which, after 1.5 hours on hold, was noted. I am hoping that registering a formal complaint through CFPB and the FTC will result in some future remedy to protect others that might fall prey to the same very sneaky trap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLD NATIONAL BANCORP
State: MI

Complaint narrative:
To Whom It May Concern. 

I have been advised to seek legal action against Old National Bank regarding the continued false reporting of a " outstanding charged off mortgage with a balance of $ XXXX and updated regularly so it keeps hitting my credit score since XXXX! '' This is against the CFPB and well as the FCRA rules and regulations. Additionally on both XXXX XXXX, XXXX and XXXX XXXX, XXXX I brought to the attention of XXXX XXXX that fact that ONB was reporting a foreclosure without the mention of our agreed " settlement agreement '' of which I have been paying on since XXXX. I have copies of those emails received by her for which nothing or no corrective actions were taken by ONB. I had no idea that ONB was reporting the delinquency of this notes full amount since XXXX! 

I will be speaking with an attorney this week to seek legal action against ONB as well as compensatory and punitive damages. This issue has greatly impacted my insurance rates and denial of several loan applications including but not limited to a recent refinance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX  applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to Department of Ed. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the Dept of Ed. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Presently, while the account is showing a XXXX balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer XXXX XXXX XXXX XXXX transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!

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 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my Equifax and XXXX credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
I refinanced a loan with Mr. Cooper/Nationstar in XXXX of XXXX. The original mortgage was also with Mr.Cooper/Nationstar and had been opened in XXXX. The refinance process went smoothly and I had n't had any issues until recently when it was discovered that I still have two outstanding liens on my home ( 1 for the original loan in XXXX and 1 for the refinance in XXXX ). The paperwork for the lien release was either never submitted or never recorded. 
I am currently working on a HELOC with another bank and they found the 2 liens on the property and can not approve the HELOC until the first lien is released. I have called Mr. Cooper at least 5 times now and have been told conflicting information with each phone call. Here are some of the things that I have been told : -We do n't show the original lien still on the home so the customer needs to research this on their own with the county recorder -Mr. Cooper emailed me a copy of  the lien release and told me that I could take this down to the county recorder and submit it for release ( did not mention that there is a fee for this which I should not be paying for. I also wasted time going down there because the county will not take a copy of the document ). 
-Told multiple times that the issue had been escalated to the lien release team within Mr. Cooper and nothing has happened -Told that I would get an official document in the mail multiple times and never received anything -Told on XXXX/XXXX/XXXX that it is the customer 's responsibility to submit the lien release when the refinance goes through ( that the mortgage company never does this ). However, I looked back through emails and found an email from Mr. Cooper in XXXX saying that the lien release was in process and they would submit to the county.
-Spoke with the county recorder and they said that the mortgage company could send an 'electronic ' version and it would be recorded the same day. However, then spoke with Mr. Cooper and their representative told me that Mr. Cooper does not do electronic versions and they sent a copy in the mail to the recorder 's office on XXXX/XXXX/XXXX and it could take another 5-7 days to get recorded. 

Overall, I am angry with all of the conflicting information that I have received from Mr. Cooper and its overall lack of assistance to get this item fixed. During the refinance process this should have been handled by the company, however, they have since told me that ( 1 ) it was my responsibility to submit the lien release ( lie ) and ( 2 ) that I should take the documents down there and submit them ( requires me to pay an additional fee ). This should really be a quick fix but has delayed my HELOC for at least a month now and maybe even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
I have several accounts that were included in my XXXX and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: VA

Complaint narrative:
inquires were previously deleted from an agent due to me not authorizing them. I contacted the creditors and they told me to contact the Credit Bureau which i did and they added back without any notification to me and I tried resolving the issue with Experian with no success. I sent letter and letters of the laws to Experian USPS certified mail about this matter i have not heard anything.

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 2017-11-02 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: NY

Complaint narrative:
Since the Equifax data breach, I have been unsuccessful in resolving what was initially a single problem - there was a fraudulent address in my credit history. 

I received an email XXXX/XXXX/XXXX stating the " Dispute Completed '' along with a confirmation number and a link to review the dispute. 

Using that information, and confirming my identity on their site XXXX including answering questions from my credit report ( e.g., you opened a credit card from which of the following in XXXX XXXX ... those types of questions XXXX, I am unable to access my information. 

I get a page that states, " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' I have submitted my request FIVE times now via their " Web Email dispute form '', and all that does is generate another email with another confirmation number and link to review the dispute. 

EVERY TIME it says, " Dispute Comlpeted ''. 

EVERY time - SIX TIMES now - I have been unable to review the dispute. 

On submissions 2 through 6, I have explained that I can not access the page to review my dispute has been resolved. I also explained that additional fraudulent financial activity has likely struck, since I am answering those challenge questions correctly, but am still denied access to my original dispute ( and the additional five disputes XXXX. 

It 's an endless cycle of monopolistic bureaucracy - all the while likely furthering financial fraud perpetrated against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: WI

Complaint narrative:
I have continuously disputed this collection with Optimum Outcomes, INC for XXXX and this Company does not respond. 
I have disputed with the credit bureaus as well. This inaccurate information was removed from my credit report months ago and all of sudden it magically appeared on my report and I was n't sent a dunning letter or anything giving me a chance to request debt validation. However, I chose to send a debt validation letter to this company in XXXX XXXX and they never responded. I have no idea who this company is and have never heard of them. Unless they cam provide a legal document with my signature stating I agreed to pay this alleged debt, I want this removed from my XXXX credit report immediately! Please send me a letter confirming this has been done.

Company response to consumer: Closed with explanation