vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-02 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: SC

Complaint narrative:
I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My monthly payment is set up on auto pay, in addition to that payment I 've been making principal payments to the loan and requesting that the due date not be advanced. However, the due date was advanced anyway and is currently XXXX 2018. I have contacted Nelnet twice in regards to this, the first and second week of  XX/XX/XXXX and have not received a response back. This is not the first time this has happened to my account, the mistake to the payment application or Nelnet 's  complete lack of response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Good Morning, I have been dealing with Exeter Finance Corp in trying to pay off my XXXX XXXX XXXX ( a minivan ). I called Friday, XX/XX/XXXX to get a payoff quote. I was quoted {$4100.00} and some change. I asked if that included all fees and that was all I owed. I was told yes and that the payoff was good through XX/XX/XXXX. 

I called back today XX/XX/XXXX to make the payment and was told I owed almost {$4400.00}. When I asked how was that possible they told me extra fees had been added. They said they had been added after I called. Why were they suddenly added after I called for a payoff? And when I asked if that included all fees in the first call she said yes. 

This company has been featured on XXXX XXXX XXXX with XXXX XXXX as having predatory lending and underhanded business practices. Several Class Action lawsuits have been filed against them already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one

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 2017-10-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
I had several years ago auto loan in one bank with amount of XXXX . I got sick and stayed without job. They have given debt loan to other bank- XXXX XXXX Utah . I did n't understand that transition and did n't know I need to pay that other bank because I did n't have open account in that bank. That other bank did n't even want to talk with me when I tried to solve problem. They have just said They give me on collection to the collection agency '' Knight Adjustment Bureau '' Utah. They rejected my offer and charged me with extreme rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My car was involved in an accident and it was declared " Total Loss '' by the insurance company. The insurance company decided not to pay for my car but I never stopped making my monthly payments on time because I did n't want to damage my credit history. I fixed my car with a lot of effort, it took me 8 months. As a result Bank of America reported my account as a " charge off '' and closed it even though I am still making my payments every month. Please I need your 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 2017-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage servicer is Roundpoint. I have had ongoing problems with their escrow and insurance department. Recently, they increased my monthly payments, claiming it was because my insurance rate went up. However, my policy with my insurance agent was set to expire on XX/XX/XXXX, and I am not renewing with that company. I notified Roundpoint of this, and the agent I spoke to on XX/XX/XXXX, XXXX, claimed that their insurance department received a statement from the insurance saying that my insurance was going up {$200.00} per month. 
I contacted my insurance agent and confirmed that this never happened, and that the renewal estimate they sent me ( not the Mortgage company ) was nowhere near a {$200.00} increase per month. 
When I spoke to XXXX in the insurance department on XX/XX/XXXX, they claimed the increase was for another home owners insurance policy from another carrier ( XXXX ). I had trouble confirming the policy with that carrier, and had never authorized Roundpoint to pay them. My policy had been through XXXX the whole time. I asked Roundpoint for some proof that I authorized them to make a payment to XXXX, and they could n't produce it. The agent event stated that there was no record that they ever sent me any written documentation or confirmation of the change ( email or regular mail ). She stated they had left me a voicemail message 4 months prior, and because I had not responded to that, they decided to pay and enact the new policy because it was a lower premium, despite no authorization from me. Then they claimed that they were increasing my payments {$200.00} per month to cover the money they sent XXXX, again which I never approved, never authorized, and they NEVER sent me anything in writing to document the change.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
hippa, crainaccurateinformationviolates my cra rights

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 2017-10-02 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: TX

Complaint narrative:
hippa, crainaccurateinformationviolates my cra rights

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 2017-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My husband and I requested a credit investigation in late XXXX.  XXXX and Trans Union have not responded yet, despite follow-up attempts.

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 2017-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Amazon Chase Visa. They default charge me instead of my own card, I never opened the card, and I ca n't close it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02 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: SC

Complaint narrative:
I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

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 2017-10-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have disputed with the bureau about a bankruptcy in file. They informed me that XXXX have them the information. XXXX in formed me that they did not share any of my information with and credit reporting agency.

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 2017-10-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is freely allowing fraudulent credit card applications to be opened under my name ( happened 10 times ) and making hard inquiries to my credit report each time. Reference : XXXX XXXX XXXX credit card as the exact card attempting to be opened. Most recent incident XXXX XXXX, 2017. 

This has created a significant hardship to me personally, as each hard inquiry amounts to a reduction of my total credit score. 

I have taken every available step to protect my identity to avoid this from happening ( frozen credit, fraud protection, pass phrase and PIN protection ), however, XXXX XXXX XXXX XXXX continues to allow the fraudulent credit card applications to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-02 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: SC

Complaint narrative:
Equifax has continuously been deleting inquiries off of my report and reinserting them without legally notifying me and there are several inquiries on my report that i have disputed and requested to be removed due to identity theft. They refuse to remove them even after a fraud alert has been placed on my account these inquires are causing me constant denials in obtaining any type of credit because there are over 60 of them. I have disputed them on several occasions only to have the results back within 24 hrs stating that they are accurate. How are these " investigations '' being done so fast?? I would like the inquiries removed ASAP or investigated the PROPER way. they are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto finance XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX/XXXX/XXXX Via Section 611 of the FCRA I am to be notified within 5 days of any changes to my credit report . They have REPEATEDLY refused to remove these from my credit. PLEASE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: IN

Complaint narrative:
On XX/XX/XXXX I received an alert that on my XXXX report that stated I had a collection added to my report from a company by the name of XXXX XXXX XXXX for XXXX I have never heard of this company, so I researched them and found they had pages and pages of fraudulent claims against them for this sort of thing. 
I was struck by a XXXX driver in XX/XX/XXXX and nearly killed and I have been fighting ever since then with this woman 's ins. I finally reached a very very nice settlement and I have made aware that so called companies like the named above will try to make fraudulent claims thinking I will pay. I WILL NOT!! 
I want XXXX to remove this immediately. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Regards, 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 2017-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am having problems with a transaction that happened in a Bank of America branch in XXXX XXXX Florida. The teller charged my account for money I did not receive during a cash withdrawal transaction. I submitted a claim for the missing money, and Bank of America is not willing to work with me in settling the matter.

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 2017-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX data was breached. It has been more than 30 business days since XXXX made a public announcement of the breach. I have not heard of any plans to issue individual written notice of the breach nor have I seen any documented account of individuals recieving such notice from XXXX
I have experienced other mass data breaches, including one via OPM. Notice of the breach was served in writting via the mail in a timely manner. However, options offered for securing my data at the 40+ credit agencies are time consuming, costly, and ineffective, making it impractical for me to implement. The recourse for credit alerts, freezes, and monitoring services are cumbersome and do nothing to prevent or reduce recurrence of the problem. 

These widespread identity breaches have demonstrated a government failing with serious negative implications for our econmoic and national security. I want better regulation, oversight, and control over the collection and use of my consumer data. It is incumbent upon the government to protect citizen privacy. The CFPB must be properly empowered and funded to deal with this cybersecurity threat. The size and visibility of my digital footprint should be within my control. Default opt out functions should be invoked to eliminate involuntary data sharing and access features.

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 2017-10-02 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: SC

Complaint narrative:
Dispute Concerning XXXX XXXX XXXX XXXX XXXX XXXX Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through Transunion and XXXX XXXX falsely indicates the report is accurate and refuses to remove the incorrect 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 2017-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I want to express my frustration with working with Nationstar Mortgage { Mr.Cooper } as so its now called, in working with a Loan Modification on my subject property located in XXXX, New York. I 'm very certain that they changed their named to Mr.Cooper  because of all the lawsuits that they keep receiving due to mismanagement of files, and also for misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the situation of the client. 
My complaint has been going on with Nationstar for a while. It started years ago with with a simple request of a Loan Modification due to my default in XXXX XXXX XXXX. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried to contact them for an update, there is a different representative, not only did they not know what was going on with the file, but they could not find any updates, any documentation of my file. Most of the times they kept telling me that there was no current updates and that an account specialist will follow up with me and they never did. 
It is not my fault that I felt behind on my my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolution has been reached. I finally was able to execute a complete package, and have the correct income to qualify for my mortgage. I was able to rent part of my property and collect a rental income of {$2500.00} on a monthly basis. My daughter is able to give me a contribution to assist me with the daily expenses we have in the property and for the family. All I 'm looking for is for HELP. 
Now, Nationstar has placed a sales date on my property and is for XXXX XXXX XXXX. I do n't understand why they have placed a sales date, when I been doing a loan modification to save my home, you have a complete package with updated information for a review, and you do not want to open a template for a review my loan modification for a possible solution, all you want to is sell my house on foreclosure auction unless if I can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have been " dual tracking '' my case. If I was in process of a loan modification, foreclosure should have been placed on hold until a review is completed. You are against the law at the moment for not opening my case for a loan modification, and forcing me to foreclose. 
I believe its just not fair that you ca n't even give me the opportunity to have my file be reviewed for a loan modification, to give me an opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02 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: FL

Complaint narrative:
The credit bureau is reporting paying my credit card balance down as a negative when I 'm trying to raise my credit score this company is reporting it as a negative and my score has decreased instead of increasing.

Company response to consumer: Closed with explanation