vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
American Express stopped reporting my Credit Card that I have had with them since XX/XX/XXXXto the Credit Bureaus in XXXX or so of XXXX. They claimed that it was because I reported this account I have had since XXXX as fraudulent to them. I never made any such claim and clarified the misunderstanding to them. I spoke on numerous instances with their credit reporting division at XXXX and in specific on 4 instances so far have been promised by the manager in their group ( XXXX XXXX ) that this missing account information will be reported to the Credit Reporting agencies starting the month in XXXX, then XXXX, then XXXX etc. However, this credit history has not been reported still to all the bureaus, and the absence of this long standing credit card history account led to a substantial drop in my credit scores ( over 100 points ) - which in-turn has led to tightening of my credit lines by other card companies, and this process has continued to dramatic drop in my credit scores. I have suffered significant financial losses as a result of this uncorrected error by American Express Credit. Furthermore, in retaliation for my repeated complaints to them about the missing information, this week they even closed my Platinum and Personal American Express card within their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
We have applied for loss mitigation through our mortgage servicer, XXXX, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXX and have been trying to get help since XX/XX/XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and XXXX want to ignore the federal laws and illegally take our home from us. Please help!

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 2018-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
PennyMac has a responsibility to pay consumers Property Taxes on a timely basis. 

After reviewing our Mortgage Interest Statement ( Form XXXX ) for XXXX I noted a large shortfall in Real Estate Taxes paid. After speaking with two senior supervisors at PennyMac I was told the taxes are paid by a third party tax service ( XXXX ) and two of the four taxing entities rejected the tax payment for XXXX. 

I 've been dealing with the same taxing entities for over 25 years and to the best of my knowledge my mortgage companies have NEVER had a tax payment rejected! 

PennyMac made absolutely NO effort to contact me and review the issues of rejected tax payments until I contacted them in XXXX of XXXX. PennyMac also told me they would not send me a corrected Form XXXX given tax disbursements were not made in XXXX. 

They stated the shortfall would be made up in XXXX. PennyMac 's failure to pay our property taxes may cause us to loose a significant tax deduction for XXXX. 

POOR customer service and FAILURE to pay taxes on a timely basis!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: AES/PHEAA
State: TX

Complaint narrative:
The dates and loan amount default need to be checked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I sent Ability Recovery services a debt validation letters regarding 3 accounts they are reporting on my credit, They could not verify the debts. They only sent a copy of a bill, So I sent a second letter, Which states a copy of a bil is not sufficient to validate & report a debt, I did this for all 3 accounts the copy of the bills has no Signature or anything to prove & validate this debt, but they continue to report the 3 items on my credit reports, 1st letter i sent out was on XXXX-17

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Colony Brands, Inc.
State: GA

Complaint narrative:
I initially began disputing this account with each of the credit bureaus in XX/XX/XXXX. The responses from the bureaus reflected that this account entry was verified. I sent XXXX 's a letter ( see attached ) in XX/XX/XXXX, requesting that they investigate this account. My formal request included informing them that each of the 3 bureau reflected a different charge off date. This was the first inaccuracy. Additionally, I requested that they submit a payment history of the account as well as the accounting ledger they maintained that reflects all payments made. Too, this would verify that the amount alleged as owed is indeed accurate and more importantly, it would reflect when this account was charged off as well as if XXXX 's wrote the account off as a profit and loss. 

I received documentation from XXXX 's dated XX/XX/XXXX ( see attached ) which was over a year old from when I actually submitted a dispute. How then was this company able to send me a letter dated for XX/XX/XXXX when my initial dispute to them was in XX/XX/XXXX? As reflected on the letter, XXXX XXXX ( as signed ) stated this response she provided was based on my inquiry, yet as I have mentioned, I only requested this information in XX/XX/XXXX. It appears this letter is backdated in order for them to cover up the fact that they are violating my consumer rights. Included within this letter was a check dated for XX/XX/XXXX. If this was the only payment made, then why did they not provide me a clear registry that reflects this. Also, they again did NOT honor my request to prove that the balance they are alleging I owe is accurate, timely and verifiable. 

What is the actual charge off date? Where are the summaries of payment history for this account? What does the general ledger account reflect for this account? All of this requested information should be housed with XXXX 's and provided to me upon request. It 's obvious this company can not substantiate their reporting as the FDCPA outlines as well as the FCRA ; therefore, this entry must be DELETED!

Company response to consumer: Untimely response
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Hi, Today, Wednesday, XX/XX/XXXX, I received a collection notice for a XXXX XXXX XXXX for the amount of {$29000.00}. This notice is from a collection agency, Municipal Services Bureau ( hereinafter referred to as MSB ). 

I filed a complaint on XX/XX/XXXX against MSB for sending collections to my residence at XXXX XXXX XXXX XXXX XXXX, Hawaii for A XXXX XXXX XXXX for the amount of {$1400.00}. 

This is the 3rd collection notice I have received from MSB at my address for the wrong person. The first notice was for a XXXX XXXX XXXX ( now deceased ) and the second and now third time for a XXXX XXXX XXXX. 

I filed a complaint with your agency on XX/XX/XXXX which was readily handled and I received an apology from MSB and they claimed that my address would be permenantly removed from their consumer record. 

This continued inept handling of collections by MSB is becoming tiresome. It is a hassle for me to keep addressing this issue over and over again. The system they use to track people known as the " skip trace system '' is definitely flawed as it continues to attach my address to other people named XXXX XXXX who do n't even reside on XXXX. I may contact an attorney if this XXXX continues. 

I would greatly appreciate your help again in contacting MSB to resolve this issue. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
We have applied for loss mitigation through our mortgage servicer, Shellpoint, but are continuously denied because, 'the investor does not do modifications '. We got our loan in XX/XX/XXXXand have been trying to get help since XXXX when the HAMP program was still available. This is a conventional loan given by a public lending institution who was legally responsible for providing mortgage assistance to qualifying homeowners. We qualify as we want to keep the home, had a reduction in income due to sickness, and now are on fixed income. We can afford our mortgage but simply need help to get current. Instead the investor who is XXXX XXXX XXXX XXXX ( Investor Code XXXX ) and Shellpoint want to ignore the federal laws and illegally take our home from us. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: TX

Complaint narrative:
The dates and loan amount default need to be checked.

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 2018-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The dates and loan amount default need to be checked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
IN XXXX OF XXXX I OPENED A SECURED CARD ACCOUNT THROUGH XXXX IN XXXX TEXAS SECURED CERTIFICATE OF DEPOSIT IN THE AMOUNT OF XXXX CARD WAS PROVIDED WITH A LIMIT OF XXXX i MADE SEVERAL PAYMENTS AND CLOSED ACCOUNT BECAUSE OF UNAUTHORIZED CHARGES AND THE PAYMENTS NEVER REFLECTED THE PRINCIPAL BALANCE, CUSTOMER SERVICE WAS HORRIBLE AS WELL. iN XXXX XXXX I DISPUTED CHARGES AND ALSO AT THAT TIME ASKED THAT MY ACCOUNT BE CLOSED. I RECEIVED A COLLECTION CALL XXXX XXXX AT THAT TIME I ADVISED TO COLLECT CERTIFICATE AND DO NOT CALL ME ANYMORE. i FELL SICK IN XXXX AND LOST EMPLOYMENT AND GOT TIRED AND FRUSTRATED WITH HARASSING CALLS.i NEVER HEARD FROM THEM AGAIN, I CHECKED MY CREDIT AND SEEN THEY WERE REPORTING A DEBT IN THE AMOUNT OF OVER XXXX. I WENT TO XXXX AND CLOSED MY ACCOUNT ON MY CD. XXXX XXXX, THEY COLLECTED XXXX WHICH I FELT WAS INCORRECT.I WAS ADVISED TO CONTACT CARD MEMBER SERVICES ON XXXX/XXXX/XXXX, PER BANK REPRESENTATIVE. AFTER BEING TRANSFERRED 8 TIMES I SPOKE WITH XXXX XXXX BANKRUPTCY DEPT STATES MY ACCOUNT IN BANKRUPT STATUS, WHY IM NOT SURE NEVER FILED BANKRUPTCY, SPOKE WITH XXXX ALSO WHO STATED SHE WAS TAKING CARD OUT OF PENDING BANKRUPTCY STATUS, ADVISED THEM I WAS CONSIDERING HIRING AN ATTY. THEY STATED IF I HIRED AN ATTY THEY COULD NOT SPEAK WITH ME. THAT WAS QUESTIONABLE. I WAS CONTACTED BY XXXX ON XXXX WHO TRANSFERRED ME TO XXXX XXXX  XXXX WHO WAS SUPPOSE TO OFFER ME SETTLEMENT OPTIONS. HE OFFERED 50 % OFF OF XXXX DEBT I FEEL I DO NOT OWE AND THEN TRANSFERRED ME TO A SUPERVISOR WHO OFFERED ME A 30 % OF A DEBT I DO NOT OWE. i ASKED FOR A PHYSICAL ADDRESS AND A PHONE NUMBER THAT THEY REFUSED TO PROVIDE ME TO SEND CERTIFIED LETTER. ALSO THAT ADVISED ME THEY DO NOT COLLECT ON DEBT UNTIL AFTER ITS CHARGED OFF. CHARGED OFF XXXX AND HAS AFFECTED AND REPORTED TO MY CREDIT NEGATIVELY THE INCORRECT AMOUNT OF DEBT BEING THAT IT WAS SECURED.

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 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. 

I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. 

All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
{$180.00} will br collected by Cavalry SPV I , LLC, the charge is a fraud charge put on my XXXX XXXX XXXX card. The balance is sold to Calvary SPV I, LLC by XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The following names have been brought to my attention and have caused concerned and per the credit report are listed as followed : XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX XXXX identification number XXXX, XXXX XXXX identification number XXXX, and XXXX XXXX identification number XXXX. Please any other name other than " XXXX XXXX '' deems to be invalid and have not been identified by any other name. 

The report also includes social security number ending in XXXX, last four of this social and current social do not match and do not know where it arises from, or whether this social is being currently used under my name for someone else 's benefit. Please remove completely. 

The following phone number has been identifies as invalid and have no connection to me whatsoever, please remove : XXXX. 

I am honestly looking to repair my credit as drastically and as fast as possible. I acknowledge that some accounts that have been marked as written off but they have been paid in full. Hence, BANK OF AMERICA ACCT:XXXX has been paid in full and would like all negative remarks removed. XXXX XXXX was paid in full and would like that remark removed. XXXX ACCT:XXXX has been paid in full and would like all negative remarks removed.

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 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
I have been billed for condo association assessments for a property that I do not own and did not own during this billing period : 1. I transferred title to this property on XX/XX/XXXX 
2. The property association send me bills for the XX/XX/XXXX assessments, due XX/XX/XXXX for this property on XX/XX/XXXX, on XX/XX/XXXX, and again on XX/XX/XXXX. Each time I returned the bills in writing with a note stating I no longer owned the property as of XX/XX/XXXX 
3. On XX/XX/XXXX, Meridian Financial Services, a debt collector send me a letter stating my " debt '' had been placed with them for collections. Their contact info is : Meridian Financial Services , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX N.C. Dept of Insurance Permit # XXXX Account manager : XXXX XXXX 4. On XX/XX/XXXX I wrote a letter to Meridian Financial stating that I was not the owner and that I had notified their client of this 3 times previously in writing. 
5. On XX/XX/XXXX, XXXX XXXX/Meridian send me another nasty letter demanding payment. 
6. On XX/XX/XXXX, my attorney, XXXX XXXX wrote to XXXX XXXX and stated very clearly that I had conveyed the property on XX/XX/XXXX, enclosed a copy of the deed, a copy of the Florida statute showing I was not liable for any assessments after the transfer, that Meridian Financial was in violation of not only Florida law but federal law concerning unfair debt practice act. My attorney demanded that Meridian correct any report that reflects negatively on my credit that had been reported by Meridian. 
7. On XX/XX/XXXX I purchase a car. My credit report showed row Meridian had reported negative credit to XXXX and the other major credit bureaus. As a result, my car loan interest rate was considerably higher. 
8. On XX/XX/XXXX, I received another demand letter from Meridian. 
9. I have disputed the credit reported by Meridian with XXXX. I included all of the written correspondence above. XXXX contacted Meridian, Meridian has certified to XXXX that the original info is correct. So, even after all of this, they refuse to fix their mistake. 

Meridian Financial has continued to ignore me and my attorney. HELP

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 2018-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: WA

Complaint narrative:
XXXX XXXX has tried getting a loan modification review completed with XXXX XXXX help for almost a year near. I 've been assisting her since the beginning and been using the Caliber email to submit all docs. In XX/XX/XXXX, they requested 30 days updated paystubs. XXXX XXXX sent those thru email on XX/XX/XXXX.  Then they said the file was " complete. '' Then they said that they needed another bank statement for XX/XX/XXXX-XX/XX/XXXX. We also provided that thru email XX/XX/XXXX.  Then they said they needed clarification on paystub, and we provided it XX/XX/XXXX. Then I asked for status update on XX/XX/XXXX and did n't hear back. I emailed them again on XX/XX/XXXX about this. And then again on XX/XX/XXXX. Then on XX/XX/XXXX I called them again and heard that the only thing they need is the letter of explanation she wrote just needs a signature ( which it had her name just left out a signature ), and then it will go to underwriting. I sent this over XX/XX/XXXX because I was out sick and out of office on Monday/Tuesday XX/XX/XXXX and XX/XX/XXXX. That means I only had ONE business day to get this in before they closed file since they told me that they closed it on XX/XX/XXXX! I  've been communicating with Caliber since the beginning and was NEVER told that the file was going to close if we did n't get it in by XX/XX/XXXX?? I actually have never been told ANY deadlines since the beginning of working with them. I am escalating for this reason. 

FYI : I have also many times tried to get status updates, but instead wait on hold for 30 minutes, and hang up because I ca n't get thru. It 's been very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I had filed a report in XXXX XXXX, NY for the theft of my car. 

In XX/XX/XXXX I visited the police station to find out about the situation since I had not heard anything about the car. I was told it was found a week later from the initial date in XXXX, CT where I paid the {$1700.00} storage fee. The car was in the same condition minus a broken radio screen That same day I called TD Bank to inquire about surrendering the car due to having moved closer to the city and no longer relied on a vehicle. 

I explained my situation and was given this number. XXXX XXXX XXXX I 've had other representatives leave emails, I personally left dozens of voicemails with my contact info. I 've called from XX/XX/XXXX to XX/XX/XXXX numerous times throughout the week at different hours to no prevail. Not ONCE has anyone ever picked up the line! 

If i call and talk to a representative, they end up forwarding me to a different department that ends up going to voicemail. 

I cant continue playing in this run around!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am trying to access my account from XXXX XXXX and TD bank is blocking my account from access.

Company response to consumer: Closed with explanation