vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
XXXX XXXX deliquent account via fraudulent mail theft unable to log in to monitor account. XXXX XXXX closed my account due to inactivity but no credit card was ever received and they never sent one. Now i get calls from XXXX  XXXX XXXX XXXX ) and I have told them 2 times before to NOT call work as I am unable to receive personal calls. Today I received yet another call at XXXX XXXX from ext XXXX and I state yet again they are not to call my work. At this point I would like to file a complaint against XXXX XXXX. They ignore my rights to not call my work and get me in trouble. They state they just received my account which is also a lie. Untrustworthy company who make lies and I can not believe what they say to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST REPUBLIC BANK
State: CA

Complaint narrative:
In XX/XX/XXXX, my wife and I obtained a loan from First Republic Bank to refinance {$170000.00} in student loans. We have made every monthly payment on time and in full since the origination of the loan. Two months ago, in XX/XX/XXXX, First Republic Bank began reporting the loan to consumer credit agencies. However, they only listed the most recent monthly payments ( XX/XX/XXXX and XX/XX/XXXX ) as on time despite the fact that there have been 30 months of on time payments. No data is reported for all payments prior to XX/XX/XXXX. 

I asked First Republic Bank to update the credit reporting with the complete payment history of our loan, and they replied that " the system/process wasn't in place to make sure that we were fairly and consistently applying reporting. '' The bank refuses to update my credit report to reflect the long history of on time payments.

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 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
I applied to the PHAA/XXXX XXXX Public Service Loan Forgiveness ( PSLF ) program on XX/XX/XXXX. I received the acceptance letter dated XX/XX/XXXX ( see attached document ). Then I received a letter dated XX/XX/XXXX stating that the number of my qualifying payments accepted into the program were 18 payments ( see attached document ). The problem started when I received one letter dated XX/XX/XXXX showing the correct 29 qualifying payments at that time and then a week later I received a letter dated XX/XX/XXXX showing only 14 qualifying payments for that time same period. On XX/XX/XXXX I called XXXX XXXX to report the issue and was told a review would be completed within 90 days. I have called again on XX/XX/XXXX, XX/XX/XXXX, and finally again on XX/XX/XXXX without resolution. ( See attached call logs ). Please see my attached documents which support my statements. 

I have been waiting over a year for a resolution to this problem. This incorrect information changed my loan discharge date by 15 months. I am very concerned that due to the incorrect information, XXXX will break the 120 payment agreement for the PSLF program and require that I pay XXXX  in error. If the information is not corrected this is exactly what will happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: IL

Complaint narrative:
In XX/XX/XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XX/XX/XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XX/XX/XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.

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 2019-03-26 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: IL

Complaint narrative:
In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: IL

Complaint narrative:
In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.

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 non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Incurred {$27.00} late fee on XXXX XXXX account and explained to a representative, by phone on XX/XX/2019, that it was due to a major illness in the household. Requested reversal due to special circumstances and was told that it was not possible because a prior reversal had been done of last year. Requested if automatic payments were available which would help me avoid late payments and was told that option is not available for this account. The {$27.00} late fee is exorbitant and impacts those least able to afford it. 

Experience with XXXX has definitely not been a consumer-friendly one. After losing my home last year my credit score was lowered because XXXX lowered my credit limit even though I was current with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Today on XXXX XXXX the company called security finance in XXXX XXXX tx. Has called my sister and will not stop calling her I already explained to them that I was enrolled in a program with XXXX XXXX XXXX  and they will take care of the money due. But XXXX from security finance will not stop calling and harassing my family and I including my employer.

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 2019-03-26 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: CA

Complaint narrative:
Contacted XXXX for a payment arrangement d/t sickness. I did not want this to negatively impact my credit and they agreed with the payment arrangements. I have a printed copy of the arrangement they agreed to. I completed my payments and now am receiving an alert that they turned me in for being 30 days late which is a false statement. I continued to make my agreed payments. I disputed this with Experian and they contacted XXXX and said they confirmed it was correct. They didn't even ask for a copy of the payment arrangements or proof of my payments they took their word for it and now I can't file another dispute or upload the documents because it is closed.

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 2019-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Please read the attached letter I wrote to the AZ Attorney General regarding the fraudulent loan between XXXX XXXX and Credit Acceptance Corp on XX/XX/2018. 

This is a fraudulent loan and auto dealer fraud against me the consumer. Consumer Fraud.

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 2019-03-26 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 3 of this credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: AES/PHEAA
State: CA

Complaint narrative:
I initially was making payments each month until I got an email saying to sign up for their auto payment method. I signed up for this through their email link and submitted my information. I hear nothing back and never get a late notice until one day I check XXXX XXXX and I have 4 delinquent and 4 late payment notices on my once perfect credit score.  I called them and explain my case even submitting a dispute and a letter sent to their office and no one can explain or help. This was a technical error on their end. I tried working with them and even set up auto pay again and called and confirmed. I just need it off my report because it is preventing me from getting credit cards and getting my loan for grad school.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I'm behind with my mortgage payment due to employment issues. I finally was able to secure some funds from relatives to catch up with my mortgage payments. When I called them asking for help, they said, they'll send me the reinstatement quote and how much I owed them. The first reinstatement quote was for XXXX on the past due payments with {$2900.00} for the late fees and cost which I thought was excessive. Regardless, I miss the date by 10 days because it takes time to try to collect the fund needed from families. When I was ready, I contacted them again requesting help and they said they'll need to regenerate the reinstatement quote since I missed the first one. This time, the added additional {$12000.00} for the fees and costs with list of charges with fees they already charged me on the first reinstatement quote. Now my past due is double. I got the feeling that they have no interest in trying to resolve my issue other than making money for themselves which I think it's absolutely excessive and illegal. Please help before they foreclosed my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
My late husband is on loan, when I got behind even though there was notarized letter from husband sayng they should talk to me, they would not. Then they start refusing payment. After many many months of run around they finally offered me a loan modification. During second month of loan modification they decided to sell mortgage and DItech will not answer their phone. SO I can not make payment and now I am going to default on loan modification because DiTech will NOT answer their phone. Please help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I sold my home on XX/XX/2019, The check to XXXX XXXX for the balance of my mortgage was fraudulently deposited into NFCU despite the check being made out to XXXX XXXX. Currently, XXXX XXXX is trying to collect the Mortgage from me as they still have me listed as the Home Owner and it is now affecting my credit report. I have a copy of the check proving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 3 of this credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this.

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am NOT receiving paper statements and there is fluctuating daily balances that are inconsistent with my purchases. My account balance its too high. 

-I suspect I am being billed twice for items -my HIGH monthly auto payment seems to be going missing. 
-Items that have been returned to XXXX XXXX ( which should have been credited to the account as request ) are being applied to the XXXX account as gift cards. 
While my balance remains inconsistent. 

I have expressed my concerns of website content not being delivered correctly ( because of the CDNs ) to the appropriate agencies, and I believe this may be related to the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: TN

Complaint narrative:
This account was suppose to be deleted this account was a result of identity theft. Other credit bureaus deleted the information and XXXX failed to remove and I have sent Police report and Identity Theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing Suspended my XX/XX/XXXX Mortgage Payment, and refused to apply it toward my Account unless I sent {$77.00} additional funds to cover a shortage in Escrow. We had been disputing every Letter they sent us regarding Escrow, since Ocwen took over Servicing XX/XX/XXXX from XXXX XXXX XXXX. Their was no shortage in Escrow the balance prior to the {$77.00} was {$3300.00}. The tax amount due in XXXX, was {$2600.00}. The bottom of a letter dated XX/XX/XXXX, please note your monthly payment has changed to {$2500.00} ( From {$2400.00} > {$1900.00} interest & {$510.00} escrow previous amounts from XXXX ) effective XX/XX/XXXX further detail regarding reason for the change will be included in a separate letter. The Letter explaining the {$77.00} increase was never received, but the demand phone call was clear, send the {$77.00} or we don't apply the payment. 12 days later Ocwen Escrow Department wrote a check for {$5300.00} from my {$3400.00} balance escrow account, when only {$2600.00} was due. The other {$2600.00} due in XX/XX/XXXX. 15 days later Ocwen Escrow Department wrote a 2nd check from my - {$1900.00} escrow account this time for the correct amount {$2600.00} putting my escrow balance @ - {$4100.00}. They suspended my XX/XX/XXXX payment, and put me in Default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: NY

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased {$510.00} worth of merchandise with my store credit card on XX/XX/XXXX, under a promotion where I pay no interest as long as the merchandise was paid off within 12 months. I made a {$40.00} payment on XX/XX/XXXX, and XX/XX/XXXX. I made another payment of {$45.00} on XX/XX/XXXX. On XX/XX/XXXX I made a {$100.00} payment. On XX/XX/XXXX I made a {$60.00} payment. Lastly, I made a payment of {$250.00} on XX/XX/XXXX totaling {$530.00}. I had tried to make the last payment on XX/XX/XXXX and XX/XX/XXXX, but the credit card company had canceled the payments. I have been in contact with this company FOUR times to dispute the charges on my account because my account states that I still owe {$230.00} and states I still owe {$190.00} towards the merchandise. The company states that I owe late fees with interest even though on the account it states that there is no minimum payment due since it's a " 12 months no interest promotion ''. I had even been charged late payment fees on the payment they canceled.

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 2019-03-26 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: FL

Complaint narrative:
Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX XXXX for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX XXXX   was on my XXXX XXXX credit report. I asked Equifax and XXXX to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are XXXX. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX XXXX line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!

Company response to consumer: Closed with explanation