vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I am a XXXX credit card account holder. I have called in to XXXX  credit card customer service on multiple occasions requesting to have my payment due date changed to 2 days later to coincide with my paycheck schedule, and XXXX continues to fail to change the date, which then they charge me a late fee every month. Today they told me that they REFUSE to change my payment due date because my account is {$0.00} ( less than {$1.00} ) above the credit limit, which is due to the late fee XXXX  charges me because they refuse to change my due date. Every month they refuse to change my due date and then charge me a fee for late payment. I believe this is unfair practices for a credit card company to REFUSE to change a due date and then charge me a late fee every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ATG Credit, LLC
State: IL

Complaint narrative:
Asked for validation and no response from debt collector. Multiple emails and letters sent without response. Under the FCRA laws they are required to validate this debt with original documentation proving this debt is mine. Otherwise must be removed from all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates ( PRA ) placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request PRA to remove incorrect information off my credit report. More importantly, PRA are in violation of FACTA section 623 ( A ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Debt was not validated by this debt collector and I have tried to send letters and emails without a response. Under FCRA laws they are required to orovide original documentation validating this debt is mine. If they are unable they must remove this supposed debt from all three of my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am working on getting a home loan, within the last few days before closing ( XX/XX/XXXX ), The underwriter did a soft pull of my credit ( FHA loan ), I was named as an authorized user of a XXXX XXXX credit card that I never personally authorized. The account holder defaulted on the account and as an authorized user ( of a card that I was never aware of ) had the closing of my home loan stopped in it's tracts. My loan agent advised me to have the credit card company remove me from the account so that they can re-score my credit. 
XXXX XXXX has removed me from the account however, in order for my re-score to take place, I've been asked to have a letter from XXXX XXXX to state " I have been removed from the account as an authorized user and this account is to be deleted and removed from all three bureaus and my credit report. After several phone calls ( XX/XX/XXXX ) XXXX XXXX wrote me a letter ( dated XX/XX/XXXX ) ( received XX/XX/XXXX ) stating that they have deleted me as an authorized user from the credit bureau report. I sent this over to my loan processor ( XX/XX/XXXX XXXX XXXX XXXX ) and received an email on XX/XX/XXXX from my loan processor that XXXX XXXX has informed them that the credit bureaus are not accepting the letter provided by XXXX XXXX. XXXX XXXX will not re-word the letter that they are looking for and XXXX XXXX won't accept the letter without their specific wording.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I initially entered the last 4 of my social security to obtain rates offered by the company because of the claim that it would not impact my credit report. This was the only way, it seemed, to get a display of possible mortgage rates. Following this event someone called me. 

I made sure the first thing was to verify that My initial act did not impact my report and this was so verified by the banker who called. During our conversation I explained I only needed to ask questions. He verified some of my information and I asked him what was the purpose or difference since who was on the phone, because I'm only asking questions. He said to provide a rate he has to pull my credit report. I told him I was not ready to shop and did not want my report pulled. He proceeded by asking what was wrong with my report and why was I so concerned. I had to ask him not to try to sell me and if I needed anything I would call since I now have a number. On XX/XX/XXXX I received an alert that there was a hard inquiry which impacted my report by -8 points. 

When I logged in I saw it pulled by XXXX. I did not know who this was but only recalled speaking with QUICKEN LOANS. When I contacted them they said they did run my credit. I asked them to correct the error with the credit bureau because I did not authorize them to run my report and specifically requested they do NOT run my credit. 

The issue was escalated and I received a call on Monday XX/XX/XXXX from XXXX XXXX, Resolution Advocate. She said they were pulling the recording to investigate and would contact me with a resolution by Wednesday XX/XX/XXXX. 

XXXX XXXX Contacted me again on XX/XX/XXXX and confirmed that I was correct, and that she counted 5 times where I specifically requested he does not run my report. However, she also explained that because they have access to my personal information they can legally run my credit report. I explained I was never a client, I had no relationship with their company, I simply wanted questions answered and under these conditions I needed them to contact the credit bureau and have this inquiry reversed but she said there is nothing further that could be done since they had the right to run my report since they had my information, even with my request to not run it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX I am in the process of doing a loan modification which had a deadline XX/XX/XXXX.I sent in all the documents and was told by an agent on XX/XX/XXXX, that all they needed was a Profit and loss signed and dated by me.I immediately mailed it by XXXX XXXX on XX/XX/XXXX expecting that that was all they needed I also uploaded all the documents on their website .I then get a letter on XX/XX/XXXX that the file has been closed because they did not receive my Business Bank Statements and my XX/XX/XXXX Tax returns by XXXX Agent # XXXX.I was told in the beginning that all they needed were my personal Bank Statements and XX/XX/XXXX and XX/XX/XXXX Tax returns which I already sent .This is total neglect, unfair and inefficient. 
You cant tell a client you received all his documents except the P & L and then close the application, because you did not receive other documents.

I am fighting tooth and nail to keep my house and I am dealing with people that make you feel like you are a mouse being held by their tail, in front of a hungry cat.Please make sure Flagstar rectifies their situation in dealing with me.I am going to send them the other documents by email and mail, they requested, but please make sure the application is reopened and I am treated fairly and justly in my application in this loan modification.

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 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I contacted XXXX to have them fix balance transfer fee of 4 % to 3 % as advertised on their offer and the zero percent interest charge that they also claim was an error in their system and where charging me. I wonder how many others they have done this too and gotten away with it. I paid the full balance off and asked them to credit the full amounts and that I no longer trusted this company. They refused to credit me!

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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted dispute documentation to Experian on these specific days certified mail. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  disputed inaccurate and unverified accounts/unverified late payments on my credit file. Experian has continually stated these accounts are verified without submitting proper documentation on how these account were verified and who verified these accounts and what method did they use. 

According to the Fair Credit Reporting Act section 609 A-1 a EXPERIAN is required by federal law to verify through physical verification of the original signed consumer contract. 

ANY AND ALL ACCOUNTS THAT IS POSTED ON A CREDIT OR OTHERWISE ANYONE PAYING FOR THE REPORTING SERVICE COULD FAX MAIL EMAIL IN A FRAUDULENT ACCOUNT. 

I demanded from Experian to submit me the original signed contract with my original signature. Under the FCRA unverified accounts must be removed, if they are unable to provide me with a copy of proof. 

After calling this company several times I was refused access to specific information on my credit file after verifying that I am the consumer. I have been giving inaccurate information from my credit file between agent to agent to agent. The Agents of this company is not properly trained. The agents was very unhelpful and was not considerate of the consumer and did not put in any effort to help resolve the issue.

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 2018-05-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have a {$70000.00} loan with Navient, on which I have been paying for over 10 years. In XX/XX/XXXX, I was diagnosed with XXXX XXXX   XXXX and began XXXX treatment, which continues to this day. I am additonally awaiting word on a XXXX XXXX XXXX, which I hope to get soon. Because of the above, I had to stop working and am XXXX  XXXX. Navient has a XXXX XXXX XXXX form which my doctor completed and he estimates that it will be up to three ( 3 ) years before I can even consider working, and that is contingent on the success of the XXXX. Based on my doctor 's certification of the above facts, another student loan I had with the US Department of Education was discharged. 

I've provide complete documentation to Navient and I feel that they are trying to deny my request ( they did so this week on the grounds that they don't believe that I am XXXX ). Every word of the above is fully documented and I have downloaded the XXXX XXXX  XXXX XXXX form and supporting materials on this site.. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I attempted to apply for the Wells Fargo XXXX XXXX XXXX XXXX card on XX/XX/XXXX over the phone with a Wells Fargo employee. I was subsequently denied this card owing to various standard credit issues. 

On XX/XX/XXXX, I again attempted to apply for the same card over the phone with a Wells Fargo agent. The application was submitted and I was subsequently asked to provide a copy of my social security number to Wells Fargo. The letter I received from Wells Fargo stated, " In order to approve your application '' a copy of my social would need to be provided. I then proceeded to comply with this request.

On XX/XX/XXXX, I learned that Wells Fargo had denied my application because I was not a US permanent resident. When I asked the Reconsideration Line agent if any thing could be done to progress the application, I was told it was Wells Fargo policy to not approve unsecured loan applications from non US permanent residents. 

At no time did Wells Fargo make me aware of this restriction prior to either of my applications. After the first application was rejected, I took the steps to improve my credit position as suggested by Wells Fargo, and in good faith, applied to the bank again. 

In my opinion, I should never have been allowed to submit either application as I was ineligible for the product based on the information subsequently provided to me by the Wells Fargo agent. I have been an checking account holder with Wells Fargo for over four years now while I complete my XXXX on XXXX XXXX XXXX status. During that time, I have received unsolicited invitations to apply for Wells Fargo unsecured loan products, including credit cards, and I have had Wells Fargo credit cards advertised to me directly in the online banking interface. I took these as a good faith signal that I could apply to Wells Fargo for credit card products. 

Now, I'm left with two Hard Inquiries on my credit report, resulting in an unfair deterioration of my credit score, for a product that I had no chance of being approved for and that I would have not pursued had I have known at the time of applying that I was not eligible for the product.

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 2018-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I have tried to due a loan modification with Caliber home loans they have gave me the run around and request document after document from telling me to keep sending in more documents and having me speak to a number of different people leading me to believe they will work with me only to have me fall farther behind and then tell me they cant help me and try to foreclose on the property leading me to more late payments. I am more than 90 days behind the bank will NOT accept a mortgage payment over the phone or online portal. I summited my 1st request for a loan modification on XX/XX/2017, as my mortgage payment increased, caliber home loans home loans sent me a letter acknowledging, all documents were received then turning around and saying additional documents were needed. I then open up an online portal on the caliber loans website to upload documents they needed after looking at the portal caliber home loans still had the same request for those same documents I called the point of contact and they acknowledged documents were received, caliber home loans continue to extend the process. I have contact Caliber home loans and have brought it up to their attention and they have continued to lied. I have many documents, one recording and a phone call log of caliber home loans not answering my call and dropping the call after transferring over to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX XXXX has continuously called me every other day for some other name that is not me. I notified him today after the XXXX call to please cease from calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, we entered into an agreement for a loan modification that would be approved contingent upon making three consecutive monthly payments, signing an agreement and my account would be current after three months. We have successfully made 6 monthly payments ( see attached ) and have never received an agreement to sign. 

I was notified that our home has been scheduled for foreclosure sale because Ditech never received the signed documents. I am sure you will agree that it is impossible to sign a document that you never receive. 

On XX/XX/XXXX, I spoke with XXXX and he said there was no way to continue the modification. He indicated he would start the process again. I called later the same day and spoke with XXXX to ask for proof of delivery of the documents, assuming that such time sensitive documents would be sent with proof of shipment, delivery and signature required. He notified me that Ditech is not obligated to provide me with such information. He also told me that the conversation I had with XXXX was not true and XXXX would not have initiated a new modification. I asked him to patch me through to XXXX and he refused and said Ditech has no obligation to follow through with their agreement. I highly suggest that this phone call be reviewed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
In or about XX/XX/2017 we went to XXXX outlet store to purchase a mover. We put money down and financed the balance with " Why not Lease it '' two weeks later we returned the item because it was not working properly. The sales person was preoccupied with another store worker and he took the item back and said he will contact the financing company to cancel lease. A week later the store closed permanently. We assumed it was all straighten out. Now the leasing company sold my account to Security Credit Services. They have put this on my credit report as a collection. I called them ans explained what have happened. They still want this ridiculous amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
XXXX reported a {$20.00} past bill that they said belongs to be from XXXX. The date it was reported on my credit was XX/XX/XXXX. I have not received correspondence from this company to validate the debt. I was also told if I paid the dept that XXXX will stay on my credit as paid in full for 7 years. I do not know if this collection is mine but it is also against my rights due to Representative XXXX XXXX XXXX ( OH ) introducing the Medical Debt Relief Act in XXXXXX/XX/XXXX. The House of Representatives passed an amended version in XX/XX/XXXX. The Senate read it twice and referred it to the Committee on Banking, Housing, and Urban Affairs. 

The objective is to To exclude from consumer credit reports any medical bills that have been in collection and has been fully paid or settled, and for other purposes. 

My credit should not be effected by a debt I did not know I owed and when I offered to pay the XXXX I was given information that is against my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.

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 2018-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.

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