vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit 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 2019-04-23 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: ND

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: NY

Complaint narrative:
I have an ongoing issue with XXXX for almost 3 years now. I returned their equipment at my expense on XX/XX/XXXX and it was delivered at XXXX I was told that I would be charged {$350.00} for an early cancellation fee which was untrue as they kept changing their minds and decided to bill me whatever amount they felt like billing and whenever they wanted to. First I'm told {$350.00}, then I'm billed {$480.00} and then they tried to charge my credit card {$650.00} on XX/XX/XXXX-they 're not consistent. To continue, I wasn't credit for the returned equipment AND THEY ADDED {$53.00} A MONTH TO MY BILL FOR PREMIUM CHANNELS THAT I NEVER ORDERED/AUTHORIZED WHICH I WASN'T CREDITED FOR EITHER. I have so many letters, emails, many addresses for XXXX and no one ever replied. I have received calls from collection agencies. I had to start making payments as they were ignoring my requests for review account etc ... and in the end I realize that they truly want to get {$650.00} from me more or less for the following reason : As of XX/XX/XXXX I've paid XXXX {$400.00} and this month I received a letter from Diversified Consultants showing that my balance is {$240.00}, add the XXXX that I've paid and the total is {$650.00} which is ridiculous in so many ways. I know that many folks have filed complaints against XXXX and with good reason-look what they did to me and continue ... I've asked many times via postal mail to review and reduce my bill but they never did-they don't care, they don't have problems sleeping at night nor they have a conscience so why should I allow this to continue when they owe me money? It's always the same ... Last, while I am retired I'm also XXXX and they didn't care about this one bit nor did they care about how their lies added to my daily, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Calls all day long at my job. I am not able to accept phone calls at my job. They call and leave messages daily.

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 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
To Whom It May Concern : I am trying to resolve my monthly payment amount. 

My LTV is at 80 % and is therefore no longer subject to PMI. I have requested for my PMI to be removed over the phone but I have had no formal response provided to me that it is being removed. 

I would like a written response to my PMI inquiry from Loancare. While attempting to use the Loancare customer service link " https : //myloancarecustomeradvocate.com/XXXX '' on their website, it links to an unusable portal. 

When attempting to use the help line, I was informed of call wait times exceeding 1 hour. 

This company should not be allowed to service customer mortgages due to its complete disregard for customer service. 

Regards, 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 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION. PLEASE REFER TO THE ATTACHED ITEM.

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 2019-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Finco Holding Company LLC
State: OR

Complaint narrative:
Starting the DAY a payment is due they start calling that morning leaving a message saying it is urgent I call them. The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in The payment is due on the XX/XX/XXXX of every month and they call that morning of the XX/XX/XXXX to ask about the payment. Im usually not paid by then so I get them at a later date of payment. They will send the emails in caps, Saying it is urgent to call them when Im usually only a week or two late on the payment. They always say it is urgent to call them on the date the payment is due. 100 % of the time I have the payment by the end of the month to  them is just where the payment plans is a bad payday for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-23 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: CA

Complaint narrative:
My information has been compromised and as a result someone had opened a fraudulent loan under my name and social. XXXX XXXX account # XXXX has been reporting inspire of my effort to dispute and have it removed as fraud with all the major credit bureaus.

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 2019-04-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX/Chase Visa advertises that it guards their card holders against fraud. I purchased a " ruby '' from XXXX XXXX XXXX XXXX in XXXX XXXX  on XX/XX/XXXX. I agreed to a payment of {$500.00} US Dollars. I even received an Appraisal Folio no. XXXX  signed by the Store Manager indicating under " Gemstone '' : # 1 - 8.5 cts - color Ruby ''.

Upon return to the states, I a jeweler indicated in writing that it is not a gemstone, but a " man-made stone ... valued at between {$20.00} and {$50.00} US dollars at the most '' I contacted XXXX XXXX about returning the stone and receiving a credit. I never received a response. I contacted XXXX  about the fraudulent purchase. They denied the appeal and upheld the charge as I had not returned the stone to the store. So, on that basis, I returned the stone to the merchant by certified mail ( another {$50.00} ) along with a letter demanding credit. I never received a response or credit. After I finally received proof that the stone had been returned to the vendor I contacted XXXX  again that I had returned the stone. Their response dated XX/XX/XXXX was that they upheld the charge : " While you may have a valid complaint with the merchant, the results of our additional review confirm that the transaction is valid and no billing error occurred on your account. '' This was an obvious fraudulent sale. I later discovered that there have been many complaints filed against this merchant, but they are still in business. As requested, I sent XXXX/Chase proof of the value of the stone. As they then were upholding the sale because I had not returned the stone, I paid to have it sent back and tracked it's return. And then XXXX/Chase turns around and indicated that it was a valid transaction. Now I am out the {$550.00} AND the stone which I returned so I could get credit from the merchant or XXXX/Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DIRECT LENDERS LLC
State: GA

Complaint narrative:
In mid XXXX I was told by my lender that I would have to get a 6 month lease with an apartment complex in the city that I wanted to get a home in in order to prove that I could live on my own and handle a mortgage. I live with my mother. I asked my lender why they did not mention this in the beginning of the application process, before I paid {$400.00} for a property inspection and wired my earnest money to the seller 's agent, the lender just laughed and said it was the underwriter that said I had to get a lease for 6 months. I believe the underwriter chose to put this erroneous requirement on my application because she had no other reason to deny me. My credit is above a 700, I have over {$10000.00} in cash for down payment, and I have been gainfully employed for the past 2 years. I believe I was told to get a 6 month lease in the city I want to live in because I am XXXX XXXX. I believe that if I was a XXXX applicant, the underwriter would have approved my mortgage because I asked my XXXX  friends if they ever heard of having to get a 6 month lease to get approved for a mortgage and they said no, they had never heard of that as a requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently open my restaurant on XXXX. On XX/XX/2019 i saw a charged on my account for {$200.00} i called the bank they open a case and cancel my card. I was told that i will recieved a new card im 5days new card was never recieved. On XX/XX/2019 The bank contacted me a weeek later and advised me that my chase was resolved and my funds was put back. I explain to the agent i still have not recieved my card, agent apologize and told me that i would be recieving a new card the next, the card never came after i closed my restaurant on the next day i had to go to XXXX to purchase some items fpr my restaurant i tried used my card to pay for the items and the card decline i taught to myself that not possible i had ovef {$2000.00} on my account and another {$1600.00} in my business account ( my personal and my business account are under the same umbrella ) i paid the items cash and once i got my my car i open my chase app and relize over {$2000.00} was transfer and i look ad my business account and it was transfer over to my business account from the the person stsrted swipping my card for {$600.00} {$750.00} {$600.00} several charged up to {$3900.00} i contacted the bank after being transfer several times i finally got someone to help me the agent open a claim. The next day my funds was returned a week later chase took my funds again, and this time the agent said it was me that did it and the not giving me my money back.for 3 weeks now my business have being shut down because my business account is overdrawn. I was told since its my card and my pin that was used it was me, but i explain thwt i never received the new card. I went to the police department file a report report my business in XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am a homeowner, financed by Ocwen. I lost my job in XXXX, applied for mortgage assistance and XXXX ; both through Ocwen. After many tries, an intent to forclose was filed. Months later a trial modification was approved for XX/XX/XXXX ; which continued payments through XXXX. After this period the modification was denied. About 3-4months later, Ocwen called to say they would reconsider a newly filed application. This was approved for trial XX/XX/XXXX ; and to resume payments. XX/XX/XXXX Ocwen told me that FHA Regulations would not allow for modification. Each arrangement ended with a refund of mortgage and overpayment of escrow. I am now facing forclosure again. I have been working with HUD counselors throughout the process. Please advise me. Thank you.

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 2019-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
There are several serious issues with this mortgage and foreclosure : 1. The mortgage contains the wrong legal description. This would effectively invalidate the conveyance of the lien to the property. 

2. The note contains former XXXX XXXX VP XXXX XXXX. It is a matter of public record that XXXX XXXX left her position at XXXX  XXXX XXXX   in XXXX of XXXX. There is no way she could have legally endorsed my note after the loan was consummated in on XX/XX/XXXX or before XXXX XXXX was put into FDIC Receivership in XXXX of XXXX. 

3. The mortgage assignments indicate the loan was assigned from the FDIC to XXXX XXXX on XX/XX/XXXX. XXXX XXXX claims they were acting as Attorney-In-Fact for the FDIC. However, their right to act as Attorney-In-Fact for the FDIC expired on XX/XX/XXXX. 

4. SPS claims they received servicing rights in XXXX of XXXX when the loan was still allegedly owned by XXXX XXXX. They were also the servicer of the loan when the loan was placed into the XXXX XXXX. There are two issues with this. The first being that it is against REMIC rules to place a defaulted loan into a Trust. The second issue is that it is also a violation of REMIC rules to place a loan into an XXXX XXXX more than 90 days after the closing date of a trust. 

5. SPS and their attorneys, XXXX XXXX are unable or unwilling to supply a complete transaction history. A complete transaction history is needed to validate the dollar amount of the debt. In order to foreclose, a lender must be able to validate the dollar amount of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX and I sign for a loan with Wells Fargo practice Finance in 2015. I was given a payment Schedule that I have followed and paid on time until last month. My monthly payment went up about {$80.00} and when I asked for explanation. I was informed that this loan has adjusted interest rate and my interest rate of 4.35 % is now 5.9 % and it can actually go up over 7.5 %. This was hidden in a fine print and I was not aware of. On the first page of the loan agreement there is a large table which has block that include numbers of installments/ and amount of each installment and it clearly says 96 payment of {$1400.00}. I have tried to contact wells fargo to see if they can help me understand this sudden change. They responded by giving me 4 options which all include higher monthly payments, and prepayment penalties and application fees. I am outraged as this form of unethical practice and taking an advantage of consumers.

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 2019-04-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
today is XX/XX/19 i pull my experian report come to found out they report fraud accounts on my report i have tried 5 to 6 times to dispute the accounts with them and they comes back with in 5 min saying verfied it aint no way in this world they could have dispute the accounts in 5 min its a disgrace with EXPERIAN i have a FRAUD elert on my account now for a couple months here are the accounts and this is the catch they have been remove from equifax and XXXX accounts .... # XXXX XXXX XXXX XXXX its been remove from equifax and XXXX but not XXXX acount .... # XXXX i XXXX this account also have been remove because of fraud elerts and identity theft but experian will not listen to me i got hung up on the other day trying to expling my concern but no help over there all they say is call the credit copany and i did and they say its up to experian crpb plz tell experian its aginst the law to report fraud accounts on people hard earn credit report its killing my fico score .... Account # XXXX XXXX XXXX XXXX i do not know anything about this account its a fruad account ... Account # XXXX i never had a credit card they saing i had i told them to send me a contracsaying i sign up for this card and they said its veried but i didnt recive no paper work its crazy Account # XXXX XXXX XXXX XXXX i dont know what this is this why i file a fraud elert because someone or somebody putting stuff on my credit report thats are a fraud plz remove its aginst the law .... ALL I want is somebody to stand on my side because talking to experian will not help removing these accounts they dont care about the law all they worry about the money not my credit its the law to report fraud accounts

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 2019-04-23 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: IL

Complaint narrative:
My identity was stolen and used to open fraudulent accounts with XXXX XXXX XXXX. XXXX XXXX XXXX has closed the accounts and sent letters to Equifax requesting removal of the fraudulent credit inquiries showing up on my Equifax credit report. Despite multiple disputes with Equifax, they are still not removing these two fraudulent credit inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
I have been dealing with a very aggressive third party company called Relient Capital Solutions. The representative I have been talking to is XXXX XXXX. He talks to me like I have committed a crime and repeatedly tries to get me to answer a question multiple different ways simlar to an interogation that seeks to get a confession out of a person. 
I have already owned up to being in default and reached out to them on my own accord to resolve this loan despite the fact that I can not use the class from this school. XXXX University ( in California ) has falsely advertised that they were accredited and I wont be able to use that class towards any degree. However, due to this student loan going to default status around 2008 I have been unable to move forward with my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am attaching a copy of the investigation request letter that my husband and I sent to the credit bureaus on XX/XX/2019. According to credit law, they were supposed to investigate the disputed accounts and respond within a months time. Over 45 days have passed, and we have yet to receive a response.

Company response to consumer: Closed with explanation