vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SD

Complaint narrative:
In  XXXX  of   XXXX   we found out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made 2 payments to  XXXX  at this time.  XXXX  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the major  Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /  XXXX   making  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't askin g for anything other than help with Credit Reporting Companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
In  XXXX  of  2016 we found  out we had a delinquent  XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XXXX  's payment. The  XXXX  payment made the  XXXX  's payment and now I was late  XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XXXX   XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2  payments to  XXXX  at this time.  One  check for  XXXX  and the other for the missed payment. At this time I asked them if they could please contact the majo r Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX   XXXX    stating the payment was sent on  XXXX / XXXX /   16 makin g  XXXX  's payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with   Credit Reporting Companies.

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 2017-05-15 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: NY

Complaint narrative:
I file a complaint with Attorney General   XXXX   XXXX     XXXX  on behalf of a Identity Theft issue. In the letter I was advise to write or call credit reporting agency. I cal led Trans Union. O n the matter to place a credit alert with the  XXXX  credit agency 's. I talked with  XXXX  at  Trans Union Corporation  on behalf of the credit reporting of  XXXX   XXXX   XXXX   Company/collection agency for a debt on cell phone bill that was in  XXXX  balance when the  XXXX    XXXX   account was cancelled.   The  XXXX   XXXX  company sent a bill that was settle to a   XXXX   XXXX   collection agency.     This collection agency is on my credit report as owed bill. This  XXXX  account was cancelled on,  XXXX   XXXX ,   XXXX  .  XXXX  account number.  XXXX . In the amount of. {$92.00}   XXXX    Re.  No.  XXXX . This was a resolved issues with  XXXX .   The phone number for the collection agency :   XXXX   XXXX   collection agency is,  XXXX   XXXX   XXXX   XXXX . ( The   XXXX   n  umber above  XXXX . I filed a complaint with the  XXXX . This file matter was on the reason I cancel the account with  XXXX . ) I would like this matter to be address. The collection agency on behalf of  XXXX   XXXX  to be remove off of my credit report. This  XXXX  account has been cancelled and is in  XXXX  balance. Thank  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 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Coradius International LLC
State: NJ

Complaint narrative:
They have repeatedly contacted my  XXXX   year old gre at grandmother numerous times at her house she is very old and does n't remember much my aunt was there today when they called and told them to stop calling it is totally unacceptable to be calling my  XXXX   year old  great grandmother because he phone number is the phone book! They can call me I still have the same phone number and they have n't but to call and elderly old lady numerous times about my debt and have her worry is unacceptable..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: TX

Complaint narrative:
they are reporting late payments when the shouldnt and refuses to make the correctiions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I contacted Chex systems a bout two weeks ago to let them know that incorrect an d improper information was being reported in my consumer file with them. I also provided them with a letter that the original institution wrote me. The letter stated that all information was to be deleted and what was reported was incorrect. I received notification today that Chex systems will not deleted the information claiming it 's correct and accurate. I attempted to reach their customer relations team who told me that they will not delete the information regardless of what I 've provided and that it will stay on my file. They told me they had the letter I provided the credit union wrote to me but still refuse to update the information and delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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:
they are reporting late payments when the shouldnt and refuses to make the correctiions

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 2017-05-15 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: TX

Complaint narrative:
they are reporting late payments when the shouldnt and refuses to make the correctiions

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 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
Ditech Financial LLC recently agreed to modify my mortgage loan and withdraw its Foreclosure Complaint. In the process of modifying my mortgage loan they misappropriated {$1900.00} of my money that was sitting in an Unapplied Funds Account. I have brought this to the attention of the Customer Service Department at  Ditech  and their response is that I am wrong and that no funds were misappropriated.   Please see the attached document that prov es, using Ditech Statements and Schedules, that {$1900.00} was withdrawn from the Unapplied Funds Account without any valid or legal purpose. Please compel Ditech to return m y {$1900.00} without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
For the last few months I have been battling the Fedloan Servicing about a student loan that 's decades old. I feel as though I am due a refund because no college degree was earned and, since the loans are more than  XXXX  years old and  XXXX   XXXX  has decided that those earned credits are old and invalid and therefore cant be used towards a degree anymore making the credits earned worthless. That 's why I feel a refund is in order. Even so, in an effort to be as diplomatic as possible, I offered to negotiate a settlement to which I 've been told no. I am certain that there are thousands more in the same situation and that they would be more than willing to join in a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX , amount {$1100.00}.  Capital one to removed this account off my credit report because i t 's past  7 years old ( c lose in  XXXX   XXXX  ).  Capital One  said they will not removed this account of my credit report because they ( ca pital one ) c lose this account in  XXXX / XXXX / XXXX . This is NOT right I close this in  XXXX . PLEASE REMOVED THIS ACCOUNT OFF MY CREDIT RE PORT (   XXXX   and   XXXX   )  Thanks For your Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
Transworld Systems claims I owe o n account ending  XXXX , formerly with  XXXX   XXXX . The charges on this account are fraud, it was paid off  at one poi nt, a family member then used the card for several online purchases. Prior to account being charged off, sent  to Transworld Systems, I wa s paying on account in the amount of  XXXX  a month. Despite the fraud activity, I was attempting to make payments. Once it was charged off, auto-pay was stopped. I refuse to continue to make payments for fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
What a nightmare to get someone who I can hear. It has only gotten worst instead of better.  Citi card does not care. 3 hours of no help again t oday. I am so exhausted by the timr help arrives.     The voice system is not clear either.  Overseas  is a nightmare too.     I was told my annual fee would be waived or a promotion.

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 2017-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I previously filed a claim  - Complaint  ID  XXXX   XXXX / XXXX / XXXX . My explanation was presented by the company with much distortion. I have repeatedly asked for a copy of Gov't payments to my account -- '' If your new monthly payment isnt large enough to pay the accruing interest on subsidized portion of your direct loan, the Federal government will pay it for you for a period of up to but no more tha n three consecutive years once you begin your Income  Based Repayment program. This is  XXXX  of the many forgiveness aspects  that Federal Student Loans offer. '' This has not occurr ed ... I am on t he Income Bas ed Repayment plan and my loans are increasing tremendously ... I am now owing  XXXX  figures ...     I do not understand how the loan supposed to be paid of in 25 years ... I will be owing over  1 million dol lars. Please escalate this complaint to legal office and/or provide me names of attorneys and or an agency above cfpb. " If over the lifetime of this loan, you make  300 q ualified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legall y discharged. ''  How will this loan ever get paid off under this plan. I am paying my interest but it is increasing at an accelerated rate.        Plan in cludes a 20 year forgiveness for new borrowers that took their loans out after  XXXX   XXXX   XXXX , or 25 years if the loans were taken before that date. The lifetime of an Income Bas ed Repayment Loan i s considered to be no more than 25 years. If over the lifetime of this loan, you m ake 300 qua lified payments and the loan is still not completely paid off, any remaining loan amount will be forgiven and legally  discharged. However, this discharged a mount is considered taxable and must be paid for the year it was forgiven ; i.e . a loan discharged  in  XXXX  must be paid with other  XXXX   Income Taxe s due in  XXXX .   -- -- -- -- -- - Issues include : Estimated Interest Daily Interest Outstanding Principal Balance -- tremendous increase.     -- -- - I do not want to have my loans serviced under  Nelnet. I f eel as though it is too much fraud and no-one is trying to resolve my issue. Please escalate my issue to the agency above the cfpb and/or a contact person at the  Office of Inspector General. I will file a complaint their next. My account ne eds to be reconciled and properly handled. There are too many complaints regarding  XXXX  on the WEB. Please do an audit on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
In  XXXX  of   XXXX   we discontinued our  XXXX   XXXX   XXXX  service. We were forced to move from our home and we tried to keep th e service.But   XXXX   XXXX   XXXX  did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was  XXXX  balance and due to the circumstances they were not going charge us early termination fee as we were keeping our  XXXX  service. And it was all bundled together when we signed up. In fact we even paid a  XXXX  $ deposit for the service when we started.    XXXX   XXXX   XXXX  continued billing us and still had our account messed up as it was still linked to  XXXX . It was n't until  XXXX  of   XXXX   that  XXXX   XXXX   XXXX  shut down our verse account and made it a  XXXX  bill. We have disputed this bill over and over for a year to the date.   The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper.   It is in violation of FDCPA law  805 se ction B.   They did n't even send us our bill as requested.   They are now claiming early termination charges as well  as misc charges in which we or southwest credit collections ha s no clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint about the TransUnion glitches in  XXXX  and  XXXX , where inquires were removed and them put back on without notifying the consumer. I tried to call  TU about th is today and they have an automated recording and they refuse to help me any further. I had  XXXX  inquiries on m y TU report  that should be removed due to these glitches. It is not legal to take something off a report and then just put it back on without notification.

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 2017-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I have been trying to get approved for the HAMP Modific ation. Wells Fargo sai d that I did not send in the paperwork by the deadline of  XXXX . I have proof that it was faxed and received by them on  XXXX . They also changed the Home Preserv ation Specialist  from  XXXX   XXXX  to  XXXX   XXXX  in  XXXX ,  XXXX .   They requested more documentation and I sent it on  XXXX , and I also clarified some information on the phone a few days later.   On  XXXX   XXXX ,  XXXX , I received a letter stating that they  denied the HAMP Modification, b ut approved me for long term assistance of 40 years at 6 % with a monthly payment of {$1300.00}, or 30 years at 6 % with a monthly payment of {$1400.00}. They did not lower the interest at all, even though the interest rate is in the low 3 % range now.   I have NOT agreed to either of these options. I am still paying my regular monthly payment. I have approximately 17 years left on my mortgage, why would I want to pay for another  30 o r 40 years?   On  XXXX   XXXX ,  XXXX , I sent in  an Appeal Request  with more information. On  XXXX   XXXX ,  XXXX , they sent a letter stating that they denied my appeal.   I have fax ed my Divorce Decree to Wells Fargo two  times, yet, even though I have requested several times that my ex-wife 's name and email address be removed from all all my letters and documents, they are still on them. I do n't t hink that they should be sending my ex-wife correspondence concerning my Hamp Modification and Appeal Request.    On  XXXX   XXXX ,  XXXX , during a phone call to pay my monthly payment, I asked why I was denied th e Appeal request. I was told by another Home Preservation Specialist, that my documentation was too late to be reviewed because the HAMP deadline was in    XXXX ,  XXXX . If it was too late, why did they request more documentation in  XXXX  and  XXXX ? The Government websi te about the HAMP Modification states tha t the deadline was  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 2017-05-15 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Beginning early  XXXX  we worked with a company called  XXXX   XXXX   XXXX  to assist us in getting my credit in shape. They did a fantastic job and my  credit score went up dramatically. One issue we were una ble to resolve was false reporting from  XXXX   XXXX   XXXX  on behalf of The  XXXX  Apartments in  XXXX  Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in   XXXX   XXXX   XXXX   The second request for an itemized account of their reporting was   XXXX   XXXX  . The third request was sent   XXXX   XXXX   XXXX  . After  XXXX  attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help!      National Credit Systems  -   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  Phone (  XXXX  )  XXXX  Partial account number :  XXXX  Address Identification number :  XXXX  Original Creditor : THE  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA

Complaint narrative:
I received a letter of debt collection from a company named HRRG, who claimed to collect  XXXX  amounts of medical debt on behalf of creditor  XXXX   XXXX   XXXX .  XXXX  in total of {$64.00}.     My son did go for an emergency visit on the date listed in the letter, however if my memory does n't go wrong, my son was covered by the medical insurance, and I have paid the out-of-network part with my credit card in the hospital.     I have not received any phone calls or letter from the hospital after the visit almo st six  months ago. Hence I did not know what this letter comes from, especially they did not state the specific provider and the location of the service.

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