vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-07 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: On-Site Manager, Inc.
State: NY

Complaint narrative:
I had a private loan ( Amount {$3500.00} ) with XXXX which I got when I started school at XXXX XXXX XXXX ( opened XXXX ). After graduation, a couple things happened. 1. the Government switched student loan servicers to XXXX . 2. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out ( Account last active XXXX ) before it went delinquent. 
But on my credit score, the report shows 1 instance of the payment being 60-89 days late and 10 instances of it being 90+ days late. This is inaccurate. It should say one instance of it being 90+ days late. It is not that I had 10 loans that were 90+ late. It was that one student loan ( which changed servicers ) that was late for more than 90+ days.
I contacted XXXX couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My credit score is XXXX and I have never had a late payment other than this student loan. Showing 10 instances of me being 90+ late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I have a loan through a finance company called Covington Credit. I took out a loan late last year with them. I did initially have some trouble making payments. However, I was able to work with the company to get the account current. My problem started around XXXX of this year.I have a representative payee who manages my XXXX XXXX from Social Security. In XXXX of this year, my representative payee changed. This also changed the way payments would be made to the company. I told this to the finance company early in the process, so that there would not be any issues with the payments. Since that change happened, the company has not cooperated with the new representative payee. They have continued the collection process on my account, including adding late fees and interest, and reporting late and missed payments on my credit report. I have explained the situation to several different employees with Covington many times. I have spoke with the company over the phone, in person, and in writing about the issue. Each time I communicated with the company, I gave them contact information for my new representative payee. My representative payee has told me that they have communicated several times with the company and that they were uncooperative. I also had a troubling call in early XXXX with a woman named XXXX with Covington Credit. She had said that they have no intention of working with the new representative payee and that the company would be charging off my debt.

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 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I checked my credit report on XXXX XXXX, XXXX and I seen I owed a debt to a collection company for {$1700.00} that started in XXXX, XXXX. I have tried to see where this collection has came from because I was forward XXXX from XXXX XXXX, XXXX all the way until XXXX XXXX, XXXX so this could not have came from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA

Complaint narrative:
On XXXX/XXXX/XXXX I requested proper validation and verification or removal of this account. 

Please note : I am requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. 

Please provide the following : Detail of what the money you say I owe is for How the amount you claim owed was calculated Verify that the legal statute of limitations is still in effect Copy of your agreement with the original creditor Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) Provided a copy of any judgment you have received, if applicable Identify the original creditor Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

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 2017-11-07 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: CA

Complaint narrative:
XX/XX/2017 Allowing multiple hard credit report inquiries from one signed consent of XXXX XXXX XXXX. For signed allows XXXX consent, no others stated on form. XXXX additional hard inquiries had been added. California State penal code stipulates a consent is needed for each credit inquiry made as well as U.S. Code. I signed for XXXX XXXX only.

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 2017-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
I received a call from Frontline Asset Strategies demand the balance of an account for about 750.00. I updated my information with the representative. I am aware I fell behind with some creditors. My contact phone number was verified as well as home address. We did discuss arrangements. I did advised the representative that I need to look over my paperwork at home as well as my finances. They did try to reach me later that week, but I was not at a place I could discuss the matter, or unable to answer my phone at all. Then they started contacting family members to reach me. Which is a violation under the FDCPA. We had verified contact information previously. There was no reason to believe the voicemail that IDs me was incorrect, nor was there return mail from my address. I have since requested information via mail only.I have since emailed them twice to validate the account that was purchased by a third party. They have failed to validate the account with information pertaining to the fees that have incurred and applied. Also they have not removed it from my credit if the charges and balance can't be verified. 
First request was emailed on XX/XX/XXXX and second email was sent XX/XX/XXXX.
As of the second email, the company has not validated the debit properly, but still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Around late XXXX 2017 I contacted Chase Bank to notify them of their shady business practices and failure to properly and professionally disclose information in reguads to their hardship program. A few months ago I took part in the program due to legal issues with my employer at that time and had not gotten paid still to this date. I spoke with Chase Bank thinking they were actually here to help and it all turned out to be a lie that has affected my life in many ways and I'm still struggling to recover from the pain and disappointments they've caused. I before Chase bank destroyed my credit score I had a XXXX fico XXXX score. Chase Bank has maliciously allowed late payments to occur although I was enrolled in their program which caused me to fall in serious delinquency status for this account,   which dropped me all the way down to a XXXX Fico. The day I enrolled in the program I specifically asked Chase Bank was there anything else that I needed to do to prevent late payments because I take pride in having 100% on time payments as I've had for the past 8 years and I was assured that I was good to go and everything has been taken care of and because of being on automatic payments there would be no father action on my part. Chase bank and enrolled me into a program that did more harm than effectiveness, I find it very offensive for a company that claim to hold such high standards to treat a customer in such a way as I've been treated, I've been calling about this month after month and they just don't care.  All I'm requesting is that all late payments be removed from my account immediately. And I want nothing else to do this company ever in my life again I have been spreading the word and none of my family members and coworkers will apply for Chase Bank because I'm very close to them and they have witnessed what I've went through first hand it's just heartbreaking. i've even written a letter to the CEO of chase bank and it was such a disappointment I cried for the rest of the day, I was treated like a number, I was treated like I meant nothing, I was treated like I didn't exist and that everything has happened because of me, and for that I will forever share my experience about chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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:
XXXX/XXXXXX/2010 shows late. This account was paid and closed from collections. It listed as late to date and has been listed for more then 7 years, this is illegal. It had credit score lower then correct number and has caused damage to loan approval. My XXXX and XXXX is XXXX score whike experian ia the continual problem and non truthful reporting.

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 2017-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Earnest Inc.
State: NY

Complaint narrative:
On XX/XX/2017, I logged into my online account with Earnest, a student loan refinancing company, for the first time approximately 2 years. In my account, I found two documents (a credit card statement and a student loan document) that belong to another individual living in XXXX, NC. This is clearly a violation of their privacy policy and it is unclear whether my documents are sitting in someone else's account. I called the company to report the privacy violation, and spoke with a customer service rep that was unfamiliar with how to handle this and said I would be contacted once the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sometimes an issues just don't fit neatly into the boxes.  My student loan company reported something in error which I disputed and it was removed.  My credit score dropped to 500+ during this time from the mid/upper 600.  The error was removed in early XX/XX/XXXXso I figured once the credit score was updated in XX/XX/XXXX it would correct itself. I just checked the score after the XX/XX/XXXX update and it only increased 3 points. Why am I continuing to be punished for the error of the report which was promptly disputed and removed?  Why haven't the credit bureas fixed my credit score?  There's not even a way that I can dispute the score.

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 2017-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
Have been receiving calls daily from Cash Central requesting my information such as ss # and address. I repeatedly told them I have not ever done business with them and to not call me. Calls persisted. They even contacted my brother to ask me to call them. 
Today received email from credit monitoring to review my account due to activity. I noticed XXXX with a balance amount of {$3800.00} which I never took out. States on report that account was open on XX/XX/XXXX, 2017. Once again, I never took out a loan or have dealt business with this company..

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 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
At the time of the loan transfer in XXXX XXXX, I requested to pay the property taxes annually. Many months later it could still not be resolved. This issues has continued as our mortgage was sold from XXXX to Nationstar to Mr. Cooper. On XXXX XXXX, XXXX, a CFPB complaint about payment amounts due to switching onto the annual plan and new company was resolved and I was told that I could switch to paying the property taxes annually. My new escrow payments were based on paying annually. On XXXX XXXX, XXXX I emailed the previous CFPB resolution attachments to Mr. Cooper staff showing that the taxes were paid semi-annually, when they were  supposed to be paid annually and that my money was sitting in the escrow account in a surplus. I was told it would be resolved, then told the county said I ca n't switch, told numerous times that I would get a call back and this would be resolved. Every time I have called the county they told me it is illegal for my insurance company to deny my request to pay annually and offered to do conference calls, finally I was told I had an option to go pay the taxes myself and request a surplus check from the mortgage company. I want to be put on the annual property tax payment plan. It should not take 2.5 years of mortgage companies making interest on my funds and refusing/lying about switching my tax payments. I was told that if I paid the {$1000.00} shortage and had a county bill with the annual tax amount, I could be switched to the annual payment. I paid the shortage in XXXX and in XXXX XXXX, I just a refund check for the surplus instead of paying the taxes. I was told that my request was denied by a supervisor on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: United Debt Holdings, LLC
State: CO

Complaint narrative:
Step 1 : What is this complaint about? 
Tried to submit the payoff information from XXXX XXXX XXXX - Submitted information to the XXXX XXXX XXXX XXXX Step 2 : What type of problem are you having? 
Resolving the issue with all parties concerned. 

Step 3 : What happened? 
Unable to get resolution of how my information from XXXX got in the hands of XXXX XXXX XXXX. 

Step 4 : What company is this complaint about? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I leased a XXXX XXXX 3 to 4 months ago from XXXX XXXX XXXX. I told them I needed my lease payment due date changed from the XX/XX/XXXX of the month to the end of the month they said no probllem just contact XXXX XXXX they will change it. I called them and requested it be changed they never did it. I called again following month told them to please change it they didnt, I called again a 3rd time and told them to change it and they said they would but didnt now they claim they cant change it due to some requirements I was never made aware of

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was charged four overdraft charges for three overdrafts and Bank of America refuses to reverse two of the fees., Bank of America further cleared items after I had checked balance to ensure funds were available, then proceeded to collect fees unethically.

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 monetary relief
Consumer complaint received 2017-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America will not remove my PMI and Escrow account. I have 22 % equity on my home and they are asking for me to pay {$500.00} for an appraisal to remove the PMI. THEY are ripping me off every month by not removing this unfair fee.

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 2017-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: OH

Complaint narrative:
There has been a huge miscommunication between XXXX XXXX AND XXXX  ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.

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 2017-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX shows a drop in my credit score from XXXX XXXX, XXXX through XXXX XXXX of 31 points without any explanation. In the past I 've been able to review if any credit applied for or other activity that would cause a decrease or increase in my score. I call Equifax and they sent a summary, but did n't address the reason for the drop in points. XXXX later drop my score XXXX XXXX, through XXXX, XXXX XXXX points without any explanation through credit karma. I just want to know what cause my score to be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX,2017 numerous disputes were sent out to the 3 credit bureau about unauthorized inquiries on credit report. i also sent out certified mail 's to creditors no response. XXXX inquires on XXXX. XXXX inquires on XXXX credit report. XXXX inquires on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07 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: NY

Complaint narrative:
I filed a dispute with Transunion and XXXX to remove two government over payment debt accounts from XXXX XXXX XXXX XXXX from my credit report. Transunion has decided not to remove the account from my report and dispute with XXXX is still pending. These two government over payment accounts should not be reported on my credit report, because they did not arise from an agreement or contract to pay. According to the CRA agreement, which resulted from the investigation of the CRA 's by New York State Attorney Genera, XXXX XXXX XXXX, states : " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay. '' It also goes to state : " CRAs shall implement a process designed to remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay. '' Both of the above named accounts apply to this, and would like them removed from my credit report. I will attach the mentioned agreement with the statements pertaining to this matter highlighted in yellow.
The dispute reference number for the Tansunion dispute : 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