vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company has made repeated phone calls everyday at all times. Have been fishing a reaching out to family members and friends.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Card is showing they have loaned money to me on two separate accounts. When I confront them about proof they loan money from their own funds, they can not answer questions. Ive sent them questions, waiting for someone with first hand knowledge to answer. Unfortunately I assume they do not have the answer or they are hiding information from me. These question would assure a few different points. One, Discover card made a legal loan from their own fund and they are untitled to collect. Two, when making this alleged loan they complied with the Truth and Lending Act. Three, it would show the real ledgers of the account for proof of what happen in the back ground of this alleged loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I sent an escrow payment to Nation star Mortgage in XX/XX/XXXX, certified mail to the escrow dept. They applied it to my mortgage payment instead which had already been paid.I had to call Corporate to get it reverse. I call Nation star mortgage on XXXX XXXX and spoke to XXXX in the Arizona office and she told me that my account is one month past due, which I disagreed with her. She went back to XX/XX/XXXX and told me there wasn't a payment made. I explained to her about the error they made with my escrow. Then she told me there wasn't a payment made it XX/XX/XXXX. I have an email from them thanking for my XX/XX/XXXX payment. The escrow check was for XXXX and it reach their dept. on XX/XX/XXXX. My mortgage payment was made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: CORELOGIC INC
State: CA

Complaint narrative:
My mortgage application was denied by my bank, on the basis that corelogic credco is showing a foreclosure, by XXXX XXXX XXXX, which was false and never took place. I had sued XXXX in Federal district court, and the court ruled that the foreclosure never happened. I sent this court ruling to the 3 credit reporting agencies nd Fico, but Corelogic never removed this foreclosure from their report. 
Also, XXXX had posted that in XX/XX/2014, I had been late in payments to the XXXX XXXX XXXX, and this also appeared on Corelogic 's report. 
This was untrue as the XXXX XXXX  had no interest in the property, and no payments were due to the 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 2019-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I bought a house on an FHA mortgage back in XX/XX/XXXX. It was a 30 year fixed loan from XXXX XXXX XXXX. Around a year and a half into my mortgage, it was sold to Mr Cooper ( then Nationstar Mortgage ). 

Nationstar is saying that my 30 year loan started when it was resold to them, not at the original time the loan was taken out. That's around a {$15000.00} difference in payment schedules. 

I have all the original lending disclosures from XXXX saying my last payment will be in XX/XX/XXXX and Nationstar is saying that my last payment will be in XXXX or XX/XX/XXXX. That's a HUGE discrepancy that I would like to correct. 

I tried to tell Nationstar that it was wrong and they said I'd have to call XXXX  XXXX XXXX, who bought XXXX. I tried calling XXXX XXXX XXXX and since I'm not a current customer, they won't tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This is a federal student loan that was taken over by Nelnet mid-XXXX from XXXX. 
When I was checking my credit report today it stated that this loan is in forbearance as of XX/XX/XXXX. It is NOT in forbearance nor did I request a forbearance. I have never requested a forbearance on any of my student loans and have never had a late payment. The report also shows 13 % of payments were on time. They have only been my loan provider since XXXX of XXXX and it clearly shows they were all on time. Anything prior to that shows as " no data ''. They had previously used this excuse to raise my interest rate. I reported this mistake to them too and they have refused to fix it. My records are very clear about payments and this shouldn't be a difficult problem to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: IN

Complaint narrative:
Tranunion is in contempt and violation of my consumer right by reporting a fraudulent inquires on my credit report. Below are the list of fraudulent inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TRANS UNION XX/XX/XXXX i need all these fraudulent inquiry removed from my 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 2019-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Stronger & Stenger PC. I received a letter saying they were a collection agency trying to collect on an alleged debt from XXXX XXXX. XXXX XXXX had never been able to prove to me they had produce a legal loan coming from their own funds. So they sent my name to this collection agency. I had never contracted with this company, nor give them permission to contact me. I asked them to show the proof to me, where I contracted with them. They were unable to do so. For their convenience, I sent the paper work I had sent XXXX, which XXXX XXXX never answered my questions. Instead of speaking with XXXX XXXX and having them answer my questions. ( Which would prove XXXX XXXX produced a legal loan that complied with the Truth and Lending Act. ) They continued collection efforts on the alleged loan they can not prove XXXX XXXX allegenly legally loaned. Now they are working with XXXX XXXX to produce a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Throughout the week of XX/XX/2019 I contacted XXXX, XXXX and TransUnion about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, XXXX, XXXX  and TransUnion reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 TransUnion and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX XXXX XXXX XXXX states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person 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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Throughout the week of XX/XX/2019 I contacted XXXX, Equifax and XXXX about adding my phone number to my fraud alert. They all refused and further demanded I mail in my photo ID in order to accomodate my request. 

The major issue here is that the bureaus can ask consumers all sorts of personal questions to verify exactly who they are only to tell them thats not good enough, mail in more of your personal information ... ... 

All I attempted to do was add my phone number, which was removed by each bureau, so that any creditor attempting to run my credit could call my number to verify it's me!!! 

The bureaus each state just to get my photo ID into the system would take as long as 10 to 14 days. In the meantime, I'm suffering the embarrassment of two creditors placing red flags on my pending  accounts as if I did something wrong because all the Bureaus demand I mail in my photo ID in order to verify who I am to simply add my phone number to the fraud alert! Really!!!!! 

Most credit bureaus have been hacked into recently with no fines to pay for allowing strangers into their platforms who now have all of my personal information. But yet they are here giving me a hard time!!! Why??? 

Fix this issue please! 


Secondly, I have previously complained of the abuses of all three bureaus, Equifax, XXXX and XXXX reporting a Bankruptcy on my report and demanded it be removed more than 10 times at each bureau as it does not belong to me and actually reports inaccurate information. 

In XX/XX/2019 I added a personal note stating that I have contacted XXXX to have that report frozen where no one has access to that information. However, as of XX/XX/2019 XXXX and XXXX refuse to remove the bankruptcy item form the report and so states that it is " verified as accurate ''. 

I have previously written to each bureau and demanded their procedures for verification as well as the names of any person who walked into the bankruptcy court and requested information regarding XXXX XXXX XXXX and a Clerk, any clerk, then and there gave over any form of verification to that person to report as verified as accurate. The Clerk at the XXXX Texas Bankruptcy Court states " this court will never verify any information to any credit bureau ''!!! This information is currently reporting as a personal note on my report and still causing loss and damages to my person XXXX XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: Navient Solutions, LLC.
State: IA

Complaint narrative:
Co-signed loan for my son in XX/XX/XXXX.He received XXXX XXXX in XX/XX/XXXX from social security with the understanding this loan would be totally forgiven even for the cosigner.Not the case as I was then held responsible by navient. We always thought this to be a federal insured loan but Navient now says it is a private loan. With fluctuate interest rate depending on prime rate each month.I have spoken with them a number of times about getting help.They have only offered solutions that will cost more money in the long run. They also said that I don't qualify for income driven payments and would not even consider total forgiveness.I am now XXXX years old struggling to live on social security alone, the payment each month has become a very heavy burden.I feel stuck under a rock without even a hard place to turn to.All I can say is please HELP, HELP, HELP!!!!!!!!!!!! I am considering default as my only option since over the ten years they have received more than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I was travelling in XXXX, XXXX in XX/XX/2019. I lost my HSBC cash rewards master card when I was in XXXX. After I came back to the US from XXXX, I found out an unauthorized transaction of {$2200.00} happened on XX/XX/XXXX and I realized that I either lost my card or someone took it from me. I reported the situation to HSBC and hoped that they might be able to help me resolving the issue. But they denied my request. They are not being helpful and useful during the whole process. Please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: SC

Complaint narrative:
I went to court with Bank of America and the outcome came with no judgements ( see Part 1, proof of court hearing ). The purpose of the hearing was bankruptcy and foreclosure of the house. Afterwards, I went to XXXX XXXX XXXX U.S. Bankruptcy Courthouse, XXXX XXXX XXXX XXXX, South Carolina  to determine evidence of bankruptcy and foreclosure. No evidence of bankruptcy, liens, or foreclosure was found ( see Part 2 Bankruptcy, exhibit 1b. XXXX XXXX Bankruptcy Certification Verifying Creditor Matrix ) No real estate listed ). The lack of evidence for a bankruptcy, lien, or  foreclosure is congruent with my credit report ( see Part 2 Bankruptcy, exhibit 2c. XXXX  credit report XX/XX/XXXX and exhibit 2a. Credit report XX/XX/XXXX. Also, I received from the bankruptcy department a discharge from the loan Bank of America, Bankruptcy Chapter XXXX and others ( see Part 3, exhibit 2a. Credit Report XX/XX/XXXX ). This greatly impacted my credit for a long period of time. The lien appears against with the property. 
The bankruptcy department that sent me the discharge also sent information regarding the discharge of bankruptcy Case No. XXXX ( see Part 2, exhibit 1a ). These liens are still showing against with the property ( see Part 4 exhibit 6a, 6b, and 6c ). This debt was not listed as one of the debts on my bankruptcy. I have supplementary evidence to support that I dont have a loan in my name. The South Carolina Housing Department declared Applicant is not a debtor on the mortgage. An employee at Bank America determined that I do not have a loan in my name as well. ( see Part 5, exhibits 4a, 4b, 4c, and 4d ). Bank of America reported to me in a letter that I am part of home loan modification program, when I called the home to verify this information the SC HELP Appeal Request, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I was told no information in my name appeared. 
Also, I have submitted a copy of my title to real estate given to me on XX/XX/XXXX. Based on the amount of bankruptcy the debt was increased to a point greater than market value so the title was granted to me ( see Part 6 exhibit 3a Title to Real Estate, 3b Tax Notice, and 3c. Record of the lot ). Attending court for these matters was a confusing and stressful experience, I continue to try to cope with the stress to this day. Please review the evidence above.

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 2019-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: MD

Complaint narrative:
I'm XXXX XXXX, XXXX and trying to make things happen for my family back home, but I'm getting denied based on information from a company I have never heard of called XXXX XXXX. I've tried contacting them to get information and apply a freeze on my report, their phone automatically goes to a voicemail and they never call back. I've called 86 times and left 86 messages and they won't call back. As I've never heard of them, I refuse to send PII to them over the mail or by fax. They need a working phone number so that I can apply this credit freeze.

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 2019-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commercial Recovery Systems
State: CO

Complaint narrative:
This Morning a process server called me from a Private number left a 48sec msg. Yawning and tired.XXXX XXXX. I will be served as a civil complaint Wednesday theXX/XX/XXXXand for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX XXXX XXXX XXXX direct line XXXX.14min call about XXXX XXXX account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called XXXX XXXX and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XXXX XX/XX/2018 {$1600.00} Citizens bank transferred from my checking account that I did not authorize to an account that I do not have. Have made repeated attempts to get this resolved but the bank continues to be unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 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: World Acceptance Corporation
State: NE

Complaint narrative:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West has advertised a promotion that if you open a new checking acct. and have a qualifying direct deposit and also monthly transfer to savings acct., you will get a bonus of {$100.00} and if you make 10 additional transactions within the next 2 months, you will get additional {$50.00}. I hurriedly open the acct.on XX/XX/XXXX before the XX/XX/XXXX deadline made {$250.00} direct deposits to my acct.by XX/XX/XXXX however after 1 week of acct. opening. They issued another promo stating that if you make {$250.00} deposits for 4 rolling months you will get additional {$250.00} I called up branch and they said I am no longer qualified as I am now an existing customer. 
Isn't this deceiving? Shall I close my new acct. and re-open again. 
I would like to take the {$250.00} promo instead of the {$100.00} promo as advertised.

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