vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
I paid half of the total amount owed as agreed between myself and the original creditor. They agreed this about would 100 % settle the debt. They took my payment then several months later placed the derogatory information on my credit and added approximately {$1000.00} in fees.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of XXXX, XXXX & XXXX of XXXX to access the " free '' dispute option on the Experian and XXXX websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access XXXX and initiate the process. This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.

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 2017-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
To Whom It  May Con cern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and  XXXX   ) for  my  XXXX   XXXX  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. I applied for deferments and forbearances, but was never told or educated in regards to how long each would normally last and when to reapply. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward. I recently entered into an income based repayment plan, but my credit report still shows student loans with late payment statuses.     As a courtesy, I am requesting that Navient make a goodwill adjustment and remove the late payments for the following loans ; so that  I may q ualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   5  Late Payment s  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX     XXXX    5 L ate Payments   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  and   XX/XX/XXXX     XX/XX/XXXX    XXXX   5 Late  Payment s  XX/XX/XXXX ,  XX/XX/XXXX  ,  XX/XX/XXXX , and    XX/XX/XXXX      XX/XX/XXXX   I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a Navient customer in good standing.     Thank you for your time and consideration  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am filing this complaint against PNC Bank due to the loss of my home of 15 years. The main mortgage holder was  XXXX  and  PNC  was 2nd. I lost my job due to illness and I was in a Short sale with my home. I was owing PNC under {$10000.00} and  XXXX  Mortgage was willing to pay {$6000.00} of that money and paperwork was submitted to  PNC  over 3 times of the  XXXX  to get their approval of the {$6000.00} as I had a buyer and the home was sold and the closing date was set but anyone who had my file would not, did not return our calls. Also the title company was trying to reach them and PNC would not return their calls either. In turn, I lost my buyer and my home was acutioned off for much less then the contract price due to the negligents of PNC not co operatin g. 2 real estate agents did not get paid for their time and work, I will now need to file bankruptcy, my neighbors value of their homes have gone down and the buyer lost a lot of money in fees. PNC had  10 days to sign off on the paperwork and neglected to even return a phone call either way. I even physically went to the  XXXX  Ohio branch and spoke to someone in the short sale Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: IL

Complaint narrative:
I did a dispute wit EXPERIAN several times indicating the error is been reported a late payment on    XXXX   XXXX  with the account with time payment company, Experian sent me the results they never fix the error  here are the documents to support my complaint as of today 's date since Experian  didn fix  my report I decide to share with CFPB .Im attaching proof of my  XXXX  payment sine Experian  report  ed one l ate in   XXXX   payment, please review my documents and let me me know when the error is been fix Best 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 2017-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I contacted Navient requesting an updated amount left on the loan and future schedule for all payments and when the loan will be fully paid off.     I received an answer on  XXXX   XXXX  at  XXXX   XXXX  : Our records confirm your balance is {$28000.00} as of the date of this email.     Because the monthly payment amount fluctuates as the variable interest rate of your loan changes, the amortization of your loan will also change, rendering the previous information inaccurate. In addition, the application of payments to principal and interest is not predetermined. This means that since interest accrues daily on the unpaid balance, the number of days between payments determines the amount applied to interest from each payment. For this reason, we do not provide amortization schedules.  ( My  interest rate has been 12.5 % for over 2 years now and it has not fluctuated up or down ).     I also asked if I could pay a lump sum of {$10000.00} toward my principle of the  Private Student Loan to possibly lower my mo nthly payment and find out what the amount would be left on the loan.     I received an answer on  XXXX   XXXX  saying : As your loan is enrolled in  Auto  Pay, your payment will not pay your loan ahead and the loan will remain due for payments each month. Your loan follows a re-disclosure schedule, and your payment will be reduced automatically during this process to a lower payment, which will pay your loan in full using the same maturity date.     Your payments follow a standard payment application, in accordance with your promissory note. Payments will usually be applied first to outstanding interest, than to outstanding fees, if necessary, and the remainder to principal. If there is a significant amount of accrued interest, from a deferment or forbearance, the majority of your payment be applied to interest each month. Unfortunately, we are unable to provide a balance left on the loan due to the application between principal and interest. ( Why ca n't they give me this information? I would reduce the principal by {$10000.00} and then they can give me an updated payment and schedule. I know they are pushing this off so the service company "  Navient  '' would make more money over the time.     Any help would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My name is  XXXX   XXXX . I am trying to refinance my home and I found out about some credit issues I would like to dispute. I have tried on several occasions on the dates of  XXXX ,  XXXX  &amp;  XXXX  of   XXXX   to access the " free '' dispute option on the  XXXX  and Equifax websites. Both by following a link from the CFPB website and directly accessing their websites. In each case I enter all of my information, correctly, and am told the " information does not match their records '' or am asked questions that have absolutely nothing to do with anything in my credit history and am told the same thing. I was able to access each agency one time, but was not able to initiate all disputes because of some technical issue. Oddly enough, I was able to access  XXXX  and initiate the process.     This is completely unfair and I have found through web searches many people have had the same issue. We should be able to initiate a dispute for free or be given an explanation as to why we can not. This seems to be some sort of credit hostile take over as we have no control whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
Date reported :  XXXX / XXXX / XXXX  Original Creditor Name  COLLECION BUREAU OF AMERICA  Date Assigned  XXXX / XXXX / XXXX  Original Amount Owed {$1100.00} Amount {$1400.00} Status Date  XXXX / XXXX / XXXX  Status UNPAID Balance Date  XXXX / XXXX / XXXX  Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxxx  XXXX   Creditor Classification Medical  or Health Care Last Payment Date Date of First Delinquency  XXXX / XXXX / XXXX  I declined the  Medical Transport a nd was not given the choice to deny. I repeatedly told this company that I did not want their service at that time. Again, they ignored me and transported me anyways.     At the time of their service in  XXXX , I was not of sound mind and was forced to proceed.     I had my husband there and he could of transported me, but they did not listen to him nor me and proceeded to do as they please.     My husband is a  XXXX   XXXX  and  XXXX  and deals with this aspect every day and knows that they had no right to go against mine or his wishes.     I would like to have this removed from my credit as I firmly believe that this was forced upon me without my consent while I was not of sound mind.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and   XXXX    XXXX  for my  Victorias Secret  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward.     As a courtesy, I am requesting that  Victorias Secret  make a goodwill adjustment and remove the late payments for the following credit card ; so that I may qualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   6 M issed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a  Victorias Secret c ustomer in good standing.     Thank you for your time and consideration  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact TransUnion the week of  XXXX   XXXX ,   XXXX   and spoke with a  US  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to TransUnion, which was delivered at  XXXX    XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  , TransUnion sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX   XXXX  on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigat e and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I just received again a foreclosure notice from  XXXX   XXXX ,  XXXX  today  XXXX   XXXX ,  XXXX . The Trustee has scheduled the foreclosure sale for  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I called my dedicated loan specialist,  XXXX   XXXX  to check on the status of my HAMP Loan Modification I applied for in  XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail.     In  XXXX  of  XXXX  she told me that my  HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as  XXXX   XXXX ,  XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in  XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the  HAMP Loan  Modification I applied for in  XXXX . According to the  HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since.     The  XXXX   XXXX   XXXX , said that a copy of the advertisement of the sale published in  XXXX   XXXX   XXXX  is enclosed in this letter and that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Statement to File w ith Credit union  disputes I disputed  XXXX  inaccurate    XXXX   day late payments on my credit report directly to TRANSUNION. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX     to TRANSUNION including : record of my payment due date (  XXXX  each month ) along with printouts of my Bank  Statements, verifying the date the funds  were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly when a payment was made for both loans at the same time or individually. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my requests from TransUnion was made. The file should be updated with no late payments reported accordingly.

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 2017-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank  Consumer Complaint Division Legal D epartment  XXXX   XXXX   XXXX   XXXX ,  OH   XXXX   Re  : Release of Monies From Deceased Fathers Account to Surviving Spouse ;  XXXX   XXXX   XXXX   Chase Ba nks excessive delay in transferring monies from my deceased father 's account to his surviving wife,  XXXX   XXXX . My father passed on  XXXX   XXXX ,    2016.      The initial request for the transfer was made in  XXXX     2016, by me , in person, at the Chase branch in  XXXX , CA, where my father opened his account. It has been  10 months since the initial request and 11 months after my beloved fathers passing.      My mother is  XXXX   XXXX   XXXX . Due to  XXXX  and  XXXX  problems, she is  XXXX . She requires costly   XXXX   XXXX   I am my mother 's health advocate and have Durable Power of Attorney to act on her behalf on all financial matters. I have also retained the services of an attorney to handle the estate of my father. She has also made several attempts to accomplish the transfer.     My parents were married for  XXXX  years. In the months prior to his death, and with the knowledge that he did not have long to live, my father worked day and night making home  improvements  and financial arrangements to ensure my mother would be safe and secure in their home. I made a promise to my father that mom would receive the best of care.     Chase has stonewalled the release of much-needed funds by making duplicate requests for documents already produced and recently claiming documents were not in the system. The delay has impeded not only the estate proceedings but also created undue burden and   XXXX   in my ability to provide critical care for my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I received a loan for {$17000.00} (? ) to buy a  XXXX   XXXX   XXXX . The original price without tax was {$14000.00}. I put {$1500.00} down. Now I 've been paying  Ally Financial s ince   XXXX   XXXX   XXXX   So that ' s  8  months o f payment at {$340.00} a month, which totals up to {$2800.00}. Why is it the I still owe {$16000.00}? I would like for you to contact Ally, and have them explain to your agency where the  XXXX  went to. Also, is  n't 11.50 per c ent interest illegal? Please write or e-mail me back about this.     Thank You,  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