vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have no knowledge of this credit debt. This debt is not mine and I run multiple business and my credit is very important to me. This debt is drastically impacting my credit score and I need this fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: EdFinancial Services
State: GA

Complaint narrative:
It shows that my payment was late when I had my payments deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was contacted today XX/XX/XXXX about a payday loan taken out in my name on XX/XX/XXXX that I never signed for nor did I have any knowledge about. I have never done business with Check N Go, and have received notice that they intend to sue me for three times the amount of the debt they claim I owe them. It is my belief that someone used my information for the purpose of obtaining this loan for themselves as I have not even had a bank account for nearly 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I have received two text messages from XXXX. today. One was around XXXX and the other around XXXX XXXX XX/XX/2019. I have asked them to stop and they won ; t.. Unfortunately I do not have a block option on my phone ... They won ; t stop. Can you please help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I began struggling to keep up on my mortgage in XXXX due to temp financial loss. I doubled up on my late payments twice to become current, but could not keep up. I spoke with the Mr. Cooper in XXXX regarding the options they notified me of having, ie : repayment plan, modification etc. They said at that time I was not eligible for anything. I did go ahead and apply for modification and they denied me. I spoke with them again in XXXX. The notice I received said nothing of being eligible for forbearance, only short sale etc. I will attached the notices. Every time I have called I have gotten the run around and basically just informed there's nothing they can do to help me make up the late payments which at the time were under 10K. They sent in into foreclosure only a few months of being behind, and would not work with me on anything. They then sent me another notice XX/XX/19 when the auction is scheduled for XX/XX/19 saying call us to discuss options, which I did, and and they said there's nothing they can do to help me, again. I just spent 1.5 hours with them on the phone right now with regard to delaying the auction so I can come up with the money, they notified me that a request was already submitted for that on XX/XX/19, and that it was denied because it was more than 7 days from the auction date. I did not submit this request, they did. They did not get my approval, and I assume they would have known it would be denied being more than 7 days from the auction date because they are aware of the policy, and that it would result in my being unable to request this within the 7 day time period. I requested it be done again and was informed I can not request it a second time, when I did not request it the first time. All I have received is a run a around and long holds, along with letters saying to call them so explore options only to be denied on everything each time I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I received a letter from TD Bank dated XX/XX/2019 thanking me for opening a " TD Growth Money Market '' ( account number ending in XXXX ). I have never opened an account at TD Bank ( other than a loan many years ago ) and went to the branch on XXXX XXXX in XXXX, MA to speak to an employee. The woman I spoke to stated that there was another customer with my name in another state and that the account set up was an error. She assured me the account would be closed immediately. Two days later, I received a statement. I assumed it was because the account was closed, as the statement cycle was only a few days long. Today, XX/XX/2019, I received another statement for the same account. I tried to contact them, this time, through their customer service website, but received a message that it was down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I called Navient today to make a complaint because they are not permitting me to renegotiate the interest rates on my private loans. My loan balance is more than {$100000.00} and has not changed despite my monthly payments. Due to steadily increasing interest rates, my monthly loan payments have increased from approximately {$500.00} to almost {$800.00} in less than 2 years. I am deeply concerned about their practices which feel predatory and unreasonable, especially to someone with a low-income background who was the first in her family to go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Sometime ago I filed a complaint against Experian 's insistence that it could not temporarily unfreeze my credit report because I did not live at the address I lived at when I froze my account. I did not receive a response. In the interim, I did some research and found Minn. Stat. Section 13C.016, Subd. 4 which lists the steps to be followed in unfreezing a credit report temporarily. Experian has not complied with the law which essentially states that any information which substantiates a person identity is sufficient to unfreeze the account. If Experian wants to do business in Minnesota, I guess that it is stuck with the law. Thank you.

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 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX ) is in violation of the CFPB guidelines where they must review 37 days or more prior to a scheduled foreclosure sale. The bank is making up guidelines as they go and are not following the CFPB 37 day rules and regulations. 

Here is a summary of what happened : XX/XX/XXXX Short sale file was submitted with a sale date about 50 days away. 
XX/XX/XXXX-XX/XX/XXXX- Back and forth communication, then the short sale was closed out on XX/XX/XXXX saying listing period expired. 
XXXX XXXX XXXX Back and forth fighting with XXXX and we were told the investor wanted 90 days prior to a sale date to review for a short sale. 
XXXX XXXX Called investor XXXX XXXX and they said if its over 37 days they will review for a short sale. XXXX is making up their own rules. 
XXXX XXXX XXXX : Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 120 days to review for a short sale, another change XX/XX/XXXX - XX/XX/XXXX - Back and forth fighting with XXXX XX/XX/XXXX - XXXX stated they need 90 days to review the short sale, the rule is XXXX and we advised them of the CFBP guidelines. 

Currently XXXX won't review for my short sale. I am doing a short sale to save my credit and leave my home with dignity and to do the right thing. The offer is 95 % of the bank 's current appraised value. There is no reason XXXX should be doing this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
When shopping for a home loan, one of my criteria is that the mortgage company would have a bi-weekly or twice-monthly payment plan that accelerated the payoff of the loan, and saved considerable interest, by crediting interest savings from the split payments. 

The loan officer representing Citizens One bank stated his bank had such a plan. He even documented how the plan would work in explicit detail in an email message. 

However, when the payments were made bi-weekly, starting in XX/XX/2019, reconciling mortgage statements with the amortization schedule provided at closing, it was apparent that the payments they were not being applied as expected given the documented explanation of the loan officer employed by Citizens One. 

What happens is that Citizens One buffers the payment until the due date and applies the split payments as one payment. So, there is no accelerated payoff from this aspect of the program. By making bi-weekly payments, there are two months of the year where three payments are made, amounting to an annual principal deduction equivalent to one monthly payment. The interest savings and payoff acceleration from this aspect of the program are inconsequential. 

After unsuccessfully trying to resolve this will the loan officer and Citizens One phone representatives, the loan officer transferred the complaint to the Citizens One Office of the Chairman, and I lodged a complaint with the XXXX XXXX XXXX in XXXX. I provided the representative of the Office of the Chairman with a detailed accounting of the problem in a document that included the loan officer 's explanation. The representative responded via hard copy mailed on XX/XX/2019, and via a XXXX response on XX/XX/XXXX. 

In her response, she stated that the payment plan does not process payments in the manner explained by their loan officer, and I would not realize the accelerated payment or interest savings as expected. However, she did not directly acknowledge that the loan officer misrepresented the payment plan. This leads me to believe that the loan officer will continue to misrepresent the payment plan, and so this complaint to the CFPB. 

I will provided to the CFPB the documentation provided to the Citizens One Office of the Chairman as an attachment. 

It is my belief that Citizens One is an untrustworthy mortgage company and should be investigated for this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
It shows that my payment was late when I had my payments deferred.

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 2019-05-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It shows that my payment was late when I had my payments deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX   and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! 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 2019-05-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in a disrepute letter against XXXX XXXX to Transunion. Asking that the negative report be removed from my credit report! ( Which Transunion refused to do ) I shared documents to back up the facts ( which Is I own the automobile ) no  debt is owe on the account!

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 2019-05-21 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have an account with Chase XXXX XXXX so I applied online within 2 minutes I was denied credit for a auto loan. I received my credit report and went through it with a fine tooth comb. I then went to Chase Bank spoke to banker regarding my denial showing them my credit report. He could not understand why they denied me an auto loan. I came home and contact Chase who got me in touch with someone in the XXXX, who in turn got me in touch with Chase XXXX XXXX XXXX. I have been holding for 3 1/2 hours waiting to speak to someone regarding my denied loan and how it has affected my credit and ability to possibly get a car loan. The tape keeps repeating " we are currently receiving heavy call volume, your call is very important to us, you will be answered by the next representative. Will I??? Will I be able to obtain a car loan???? 

I have been going in circles one party at Chase blaming the other saying they don't understand as it appears that I have impeccable credit report. I have no balances, I don't have a mortgage, I have a student loan that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: CL Holdings LLC
State: MI

Complaint narrative:
Just checked my credit score and have noticed a collection company XXXX XXXX XXXX has a very old debt listed as only 2 years 7 months old. This debt was back in 2012 and with XXXX over my phone bill, they could not get me a signal where i lived and i called several times to fix this, trting to cancel my contract etc. Only for them to keep charging me {$300.00} + a month for a service they was not providing. There are records of the dispute and i dont feel like i ahould ve responsiblenpaying for such a horrible service especially after trying to cancel the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset management is fraudulently reporting a debt on my credit reports that does not belong to me. I have contacted the company directly via certified registered mail. They continue to report the account is mine. The name on the account is not my name. I have never used that name. The address on the account is in a city I have never lived. I have furnished correct information to the company and they continue to violate the FCRA with inaccurate reporting. I am XXXX years old. Trident Asset Management has exhibited elder exploitation in their blatant refusal to correct erroneous credit reporting. I have only one name and one address. Removal the fraudulent information is the only acceptable resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm complaining against Equifax. 
My credit score there is about 80 points below XXXX and XXXX. 
When I called to see what's wrong I was told to check the credit report and let them know what I need to change / dispute. 
I ran the 3 reports through creditreports.gov and the other 2 Bureaus had the same info. on that was on the XXXX  report. I called them again to ask what's the reason for the huge score difference? 
I got reasons that are not making any sense to me : 1- We have our own way of calculation.

2- Our system looks at data differently.

3- Last I got was - tell your lenders to not look at XXXX and use the other Bureaus. 

I'm a victim of an unfair credit reporting. Those guys are hurting my credit score with their " Own Way of Reporting '' There  should be unified measures in place to make sure all credit Bureaus are using the same procedures, measures and calculations to treat all people under this nation fairly. If they are playing with people 's credit scores in their own way this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Webcollex, LLC
State: CA

Complaint narrative:
Again, I've been contacted by XXXX XXXX XXXX and threatened with legal action by a lady named XXXX. I told her the first time that she called me that I was not to be called at work and she continues to harass me and then laugh when I tell her it's unacceptable and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I have disputed this account ( balance with XXXX XXXX XXXX ) for the past year and 1/2. I explain to them I do not owe the amount listed. I have  requested verifiable proof, and the only thing I receive is " account verified ''. This balance is inaccurate and I do not owe them nor the original company. I was a victim of a natural disaster and during that time I lost my home, car, and job. This effected me and still is because I have been trying to get this matter resolved. The account needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to Experian 's web site to find out why it was reporting a FICO score much lower than XXXX   and XXXX. I own my own home outright ( no mortgage ) and have paid cash for every car I've owned since the mid XXXX 's. Due to health issues, etc., I had to file for Bankruptcy in XXXX and all my debts were discharged. However, Experian still shows 2 accounts with XXXX  XXXX XXXX, one as closed and one as status " unknown '' ( how can that be? ). Since I have hardly any revolving credit, I get why my score is lower. 

My complaint is that Experian offers a " credit score booster '' to paid customers, based on their bank account 's record of whether or not their utility and other bills were paid. However, if you have not banked with one of Experian 's listed 40 banks they say they have no access to your bank accounts and that you can't use this service. They don't offer to add your bank 's routing number. I think this is DISCRIMINATORY.

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 2019-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: WA

Complaint narrative:
A collection company known as United Collection Bureau , Inc from XXXX Oh, added a medical collection account showing XXXX XXXX XXXX. ( FCRA Violation ) This account was paid in full through my HSA. I provided proof of payment, they sent a letter stating they would correct the XXXX  Credit report as Paid but they refused to delete the collection account. ( this is a FCRA Violation as all medical debt that is paid in full must be removed ) Both XXXX and UCB refuse to remove the collection debt that shows paid from my credit report.

Company response to consumer: Closed with explanation