vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant  treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-11 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: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the car was in an accident and deemed a total loss. I purchased GAP insurance with the purchase of the vehicle through XXXX XXXX and it was insured through XXXX XXXX and XXXX paid the claim and Santander has been coming after me for the balance even though I had GAP and car insurance settled it. GAP has paid, and Santander is still coming after me for money, claiming that GAP didn't pay in full. Santander was paid over {$10000.00}. I sent over those documents verifying that information and it has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account with Wells Fargo on XX/XX/XXXX. A transfer of {$25.00} for the opening deposit was initiated from my XXXX XXXX account. I closed the Wells Fargo account the same day. The {$25.00} were debited from my XXXX XXXX account, but according to Wells Fargo the funds were never deposited to my account there. Both banks refuse to help. I want my funds returned to me.

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 2018-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: CT

Complaint narrative:
This is a response to complaint number XXXX ... I didn't sign a contract with XXXX, I signed a contract with XXXX so not sure why I would owe a company money that I didn't sign a monitoring contract with. Also I NEVER received a bill from XXXXs and XXXX is the company that interrupted my service in XX/XX/17 for non payment when all along they were endorsing my checks ... so there is confusion somewhere and I should not be held responsible for XXXX 's mishaps. Who is XXXX??? MY CONTRACT CLEARLY SAYS I SIGNED A CONTRACT WITH XXXX NOT XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

THE PAYMENTS WENT TO THE COMPANY I SIGNED A CONTRACT WITH : XXXX!!!! 
AGAIN, I am attaching the one and only XXXX contract I signed, the service interruption notice, and the payments I made with the company I signed a contract with : XXXX!!! Again, explain who XXXX is as I did not have an alarm monitoring contract with any other provider than XXXX. So there is clearly an ERROR somewhere!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX. It was put in foreclosure. The home sold and was paid off in XX/XX/2015.  The two credit bureaus that listed this item ( XXXX and Trans Union ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the XXXX XXXX item and the second page which continues with their historical listing.

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 2018-10-11 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: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I had a mortgage with Nation Star Mortgage. It was put in foreclosure. The home sold and was paid off in XXXX of 2015. The two credit bureaus that listed this item ( XXXX and XXXX XXXX ) listed the historical delinquency at 120 days late in months leading up to this sale. They properly lined out the months of XX/XX/XXXX and XX/XX/XXXX AFTER the item was paid. But they then listed a 120 day in XX/XX/2015 ... TWO MONTHS AFTER PAYMENT. 

I disputed this with the bureaus and it remains on both of them. I have attached two pages of my credit file. One showing the Nation Star item and the second page which continues with their historical listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by 5 p.m. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by 5 p.m. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I called SLS on XX/XX/XXXX to close my escrow account since my original mortgage contract does not require me to have one and I would like more of my payment to be applied to my principal. I was told to send the request by email, and I emailed the same day. On XX/XX/XXXX emailed again because I hadn't received a response. I also called and spoke to customer service and was told they would respond by XX/XX/XXXX. It's now XX/XX/XXXX and I haven't heard from SLS. I just went into my account online and the escrow payment is still there.

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 2018-10-11 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: MI

Complaint narrative:
I have opened the same dispute with transunion 3 times regarding late payment that is showing up on my credit report with XXXX XXXX. The first dispute was closed out with no change. They claimed to have talked with XXXX XXXX, but I have talked directly with XXXX XXXX over the phone multiple times and they have confirmed that my account is satisfactory and there are no late payments on record. XXXX XXXX has faxed proof of my satisfactory account twice and I have faxed the same proof of my satisfactory account as well to both XXXX and XXXX transunion fax numbers. It is always reported that documentation has not been received. They will not allow me to upload supporting documentation online until a dispute is closed. 

I was told by the transunion team that the credit card numbers paired to my account do not match the credit card numbers I have in my wallet. I was also told there is a high probability that the late payments being picked up are for a different XXXX XXXX. 

I have spent 5+ hours on the phone with transunion team members both off-shore and in the united states with no resolution. I am always re-routed to a different team and have  twice been re-routed to a department other than what was told to me, causing the chain of command for escalating the case to start again from the beginning. I have also been told I was being transferred, and then hung up on. 

I am trying to apply for an auto and home loan and my hard credit score is reporting nearly 50 points below what it should. 

Please file a formal complaint against TransUnion for the lack of care and frustration caused by this case. 

Thank you kindly, 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 2018-10-11 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: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
I have student loans payments of {$260.00} per month, {$150.00} through XXXX and {$100.00} through Heartland ECSI. A financial set back put behind schedule for many months, and I wan unable to get reduced payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: NC

Complaint narrative:
" " '' I have disputed this charge off on this XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Company is attempting to collect on a fraudulent private loan that I was forced to take out by the XXXX XXXX XXXX XXXX XXXX. I have submitted a complaint regarding this in the past. Please see case XXXX. I have attained legal representation regarding this act of theft. My legal counsel instructed me to obtain a copy of my original promissory note. This has yet to be delivered. Navient actually sent me another students promissory note in one request ( Breaching that students right to confidentiality ) and completely ignored my second request. With that being said, I am demanding I be released of all liability regarding this dept or I will urge my lawyer to take this case alongside many other to court in a class action toward the XXXX XXXX and navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
This property belongs to an XXXX XXXX  XXXX XXXX XXXX The family was left with these properties without a will. 
They had to go to Court and fight to try and save the properties. 
They received no notice from anyone concerning a property sale date for XXXX XXXX XXXX, XXXX, NY XXXX. 
When the family tried to find the contact for this property, they called XXXX And there was no one to speak to they could not find the property address on their files or a loan number. We contacted Ocwen Loan Servicing with the loan number from XX/XX/2013 and they could not find or locate any information concerning the property. 

Now a person has been calling by the name of XXXX from XXXX. 
There has never been any notices of any kind sent to the Administrators of the XXXX XXXX XXXX the grand son or the co-administrator were never notified of any foreclosure by Ocwen Laon Servicing or 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 2018-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XX/XX/2018. I received a response more than 35 days after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
This is the FOURTH time this complete loan mod file has been sent to Bayview. I will be filing further complaints against Bayview with the OCC and the CFPB as Bayview clearly is not reviewing the modification accurately. 

This is a XXXX-year woman in fear of losing her home with nowhere else to turn. She qualifies for a modification if Bayview could accurately underwrite the file and stop asking for erroneous  information that does not apply to this account. 

THERE ARE NO PAY STUBS STOP ASKING FOR THEM SHE IS ON SSI AND SELF-EMPLOYED XXXX XXXX IS NOT ASSOCIATED WITH THIS LOAN STOP ASKING FOR HIS INFORMATION ON THE RMA This may be under the umbrella of elderly abuse, as these documents have been provided repeatedly and no one is reading them, as the same documents are requested over and over and over again. I will take it up with outside agencies as I have had enough of Bayviews incompetenceit is appalling and you should be ashamed of yourselves. 



XXXX XXXX XXXX XXXX XXXX XXXX Fax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was scammed via XXXX through Bank of America and tried contacting them over the course of the following 3 hours on XX/XX/2018. They were unable to reverse the transfer and provide any information regarding the receiver or their bank. Subsequent claims have been denied and I have tried several times to resolve this matter with no help from Bank of America.  BoA needs to better protect their clients and hold the parent company of XXXX accountable.

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 2018-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
I paid all but my last payment with a mortgage with " Mr Cooper '' aka Nationstar. My XX/XX/XXXX payment I sent in the amount in the statement including principal and interest in the amount of {$600.00}. They sent back this XX/XX/XXXX payment. If you go online they state they need {$25.00} in order to provide a payoff amount. They said several times they would reverse the late charges. I can't tell what the payoff amount is and what is required to pay this off. They said they would reverse late charges several times. It was not done. They said they need payment in certified funds. I asked if that is in the loan agreement as I'll meet the terms of that agreement. Several reps said they don't know. 

The payment is now a month overdue, I've tried multiple times to pay, they said it has to be in the exact amount and in certified fund. I don't think that is in the agreement. I want to pay but they will send back any payment other than in certified funds. 

I recently paid off a mortgage with another bank and it was easy. I just paid with a regular bill paying service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Good day : I am behind on my car payments with Honda Financial Services. I made attempts to resolve this issue by coming up with a repayment plan. 

1 ) Honda did a hard inquiery on my credit report without my knowledge or consent. 

2 ) I have been receiving phone calls from a woman named " Investigator XXXX '' ( XXXX ) XXXX. The person has been calling non stop, on my cell as well as at work and also texting me. I am not allowed to receive personal calls at work as I work for a private college. " Investigator XXXX '' has been very " threatening '' me. I spoke to an attorney, XXXX XXXX, who tried to located her in order to send her a " Cease and Desist '' letter but was unable to locate her address. 

3 ) A woman named XXXX from Honda called MY secretary at work, on her personal cell phone asking her to have me call her. First, I have no idea how she got a hold of my secretary personal cell number, but second it is absolutely unnaceptable. ( XXXX XXXX ). 

4 ) The repo company, to which I have no idea who they are, and my attorney tried to locate them, again, to no avail, has been calling me non stop at work as well. 

I have never been so harrassed by a debt collector in my life. I am terrified by the calls - and I asked many times to NOT call me at work. 

I want to resolve this issue but no in fear. 

The fact that they called my secretary on her personal cell number is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11 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: CA

Complaint narrative:
On XX/XX/2018 at around XXXX to about XXXX I got a text from Chase Bank asking if I had recently made a purchase for the amount of {$620.00} at XXXX. After texting no to the automatic text, I checked my bank account and saw that they did not only make one transactions but they made about 8 transactions that came out to be {$1900.00}. I still had my card with me, I did not lose it. I think someone skimmed my card, and made a duplicate card and was able to get my pin number. I immediately contacted my bank, and that they reassured me that I would be getting my money back after 5 days. A couple of days pass, no updates. I tried calling again, and they told me that they are still investigating and that I should be expecting the refund soon. Sure enough, I did. Now, after about 2 weeks, I thought everything was going well. Last night XX/XX/2018 almost a month later, they reversed the money back without any noticed. I then called them, and they basically told me that since my pin number was used and they got cash back, there is basically nothing they can do, so they closed my case. I am very upset that Chase is not willing to do further investigations so I am contacting you guys for help. I am currently a full time student, so the money lost is very important to me. Please help me get the money back because apparently Chase is not willing to do further investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-11 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: NC

Complaint narrative:
" " '' I have disputed these charge off on this XXXX   XXXX And XXXX  XXXX XXXX for months.XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' "

Company response to consumer: Closed with explanation