vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I received a denial for loan modification today and was also not allowed to resume payments through that process. I was placed into a modification for XXXX 2017 until XX/XX/XXXX. I included in my hardship letter I was forced to retire and I was waiting for my income to kick back in and needed a foreberance for at least 6 months. Ive been maintaing the upkeep of my house and have lived here for 39 years raising my son. I was told that even if I submit a second request appeal they would still deny reinstatement to make monthly payments. They have now included foreclosure attorney fees which I dont feel should have been added because Ive explained my hardship, when I could resume making payments and that I dont want my son or myself to become homeless by losing my family home. There was money sent in XXXX 2017 towards the monthly payment but it was returned because I was {$230.00} short of monthly payment. I was soon able to send the rest but my file was then sent to a foreclosure attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I just received a notice in the mail ( XXXX-17 ) that my Chase credit card 's terms are changing. Specifically my interest rate is being increased from a moderate, but not entirely unreasonable ~10.9 % APR to 15.75 % APR. They did not provide what I consider to be a valid reason for the change. This was not based upon missing payments, nor upon credit history, or any other of what I would consider to be " reasonable '' justifications. 

Their sole justification effectively boiled down to " we 're not charging you a high enough interest rate, so we 're increasing your rate by ~50 %. '' In the more 'legalese ' verbiage of the notice, the only justification for this outrageous increase is " ... because your APRs are below the lowest APRs we currently offer on similar accounts. '' To me, this is simply them saying, " we 're not over-charging you to the same extent we 've managed to over-charge everyone else through our methodical long-term upward APR creep, so, we 're simply adding an extra 50 % to your APR, welcome to the club. '' Sure, they say that you can " reject the change, '' but if you do so, the only recourse listed is to " notify them in writing and then stop using and close the account. '' To me this is quite unacceptable. I 've had this account for years. Probably a decade even. They inherited it from Washington Mutual. And, up until now, they have never seemingly had a single problem with my account resting at 10 %, and taking their pound of flesh, so-to-speak. So, why, all of a sudden is a rate closer to what I would call a " penalty interest rate '' apparently the " lowest they 're willing to go ''? 

In my opinion, an un-telegraphed 50 % increase in APR, with no justification other than " we want more money, '' is simply nonsensical. 

And, for reference, my card at a competing " too big to fail '' institution is only 8.90 %, and has been equally stable for approximately a decade. Chase has always charged a higher rate with a lower spending cap than the equivalent larger cap and lower interest rate. Now, they seem intent to charge DOUBLE what I 'm paying at the other institution. To me that says, it 's not me that 's the problem, it 's them. Pure and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet and XXXX XXXX XXXX are continuously adding and subtracting the amount owed on my accounts which make my my credit score go up and down. I am currently trying to purchase a home and this is hindering me. Also please remove any of the accounts pertaining to these companies, from my credit report that have reached the limit due to the statute of limitations for my state. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: NV

Complaint narrative:
Hello my name is XXXX XXXX i have been contacting a company that shows up on my credit report as Financial credit Network inc.this company claims that i had a gas bill of some sort in XXXX with XXXX XXXX gas company i called XXXX XXXX gas to inquer about this account they had no knowledge of account they said to contact colection agency collection agency claims date if first delinquncy isXXXX original balance due was $ XXXX then it states that date of last payment wasXXXX well i have told them many times to please show me proof of this payment i NEVER made a payment to them because # 1 i never had any knowledge of this account i have never had a gas stove in my life # 2i never was contacted by anuy one regarding this to make a payment they refuse to tell  me how payment was made or show me original account address 1 day i had a lady accidently tell me then she realized i guess she was not supposed to tell me of some address on XXXX XXXX on XXXX XXXX i have never lived on that street in XXXX XXXX.they claim balance is zero they tell me to just wait it will come off my report well i do n't want to wait because its not my account please please i beg you to help me in this matter all i have is a partial acct # XXXX please help me to remove this thank you i have gotten no where i would never just bother you guys i have spent weeks and weeks trying to resolve this they seem to think because my balance is showing zero its ok and its not affecting me whether it is or not is not the point its not mine i dont believe its fair that its on my report i work very hard and pay my bills on time as i always have i have no other negative accounts nor have i ever why would i not pat a XXXX dollar gas bill i have spent more in stamps disputing it then then the actual bill please you guys are my last resort please help me and send me results to my reporting credit agency there is only1 reporting this XXXX thats it thats all my email is XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Several letters have been sent to XXXX XXXX ( XXXX ) asking them to verify the inquiry that was placed on my credit back on XX/XX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
XXXX XXXX ( XXXX ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. XXXX XXXX response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX with an " Important Account Status Notice of Credit Limit Reduction, '' notifying me that my credit line has been reduced from {$10000.00} to {$2000.00} based on information provided by Experian. I attempted to contact Experian today ( XX/XX/XXXX ), but their website does n't allow for an individual to make complaints, but only by " Company '' accounts. I called XXXX XXXX and spoke with a representative whose name I ca n't spell or pronounce, but who had informed me that my credit line was reduced by {$8000.00} because Experian is reporting that I am delinquent on one or more accounts. While I had contested the delinquency on an account, the credit provider stated that they had reported the correct information in that I was never delinquent. However, Experian continues to report the false information and has negatively affected my credit and credit rating. I have never been delinquent on any account for at least 45 years. This false reporting is creating a hardship for 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 explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Since XX/XX/XXXX, I have experienced fraud with my Capital One credit card. Numerous cards were sent to people calling in as me. 
Cards ending in XXXX, XXXX. I had credit card XXXX until they recently deactivated it. I was charged fast card fees for cards that were not requested by me. They have since been reversed. 

I made a XXXX payment on XX/XX/XXXX. I called on XX/XX/XXXX to see if payment was received. I learned the card I was carrying was deactivated and a new one was issued but not by my request. And I was never informed the card I was carrying was deactivated. 

It has been very frustration to have continued problems occur when security measures should have been put in the place during the first incident back in XX/XX/XXXX. But they werent. 

Ive had to file two Better Business Burea reports and a report with my States Attorney office just to get a response from Capital One. 
They are not customer service oriented. They arent interested in helping their customers. 

Today, I received a call from them only after I filed a second BBB report. They told me my account doesnt offer a settlement based on fraud. This reasoning is ridiculous especially after added security measures were put on my account, they continued sending out new cards to the people committing fraud. 

I would like a settlement on this account so I can be done with Capital One. I would also like some kind of permanent public remark left do other consumers are aware not to apply for a credit card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: GREAT LAKES
State: PA

Complaint narrative:
On XX/XX/XXXX I have contacted all 3 credit companies and the XXXX XXXX XXXX about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with 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 2017-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 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
Consumer complaint received 2017-11-16 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: Nelnet, Inc.
State: GA

Complaint narrative:
I received a letter from Nelnet, congratulating me on my loans being paid in full. But Nelnet keeps adding balances and subtracting balances to my account. This is adversely affecting my credit score! I 'm in the middle of financing and their frequent updates are detrimental to this process. Also, I want all loans older than 6 years off my credit report, as that is more than the SOL for my state. I need this done ASAP as Nelnet is doing illegal and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: CA

Complaint narrative:
At the end of XX/XX/XXXX, my mother ( age XXXX and XXXX ), and I opened a " XXXX Checking Account '' at Bank of the West. During the period that we had this checking account we took advantage of the Bank 's Bill Pay Service ( " BPS '' ). While the BPS was active we were charged many hundreds of dollars in " courtesy fees ''. Initially, these fees went unnoticed. However, by XX/XX/XXXX the annual statement shows fee charges of {$2000.00}. 

The Bank of the West operates under a fiduciary duty to their customers. Fiduciary duty means that the Bank has a duty to place the customers interest before the interest of the Bank of the West and its stakeholders. In our case the Bank has successfully avoided its fiduciary duty by programming their computers to charge customers a XXXX to XXXX XXXX dollar Courtesy Fee without prior notice, without cap, and without conscience. 

The annual fee charged by Bank of the West during XX/XX/XXXX was nearly twice the amount that my mother receives monthly. Meaning that the Bank has stolen two of her twelve monthly Social Security payments. This behavior is simply unconscionable when dealing with a customer who is senior citizen on a fixed income. 

I closed this account after learning of the excessive and unstoppable fee scheme in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery keeps calling a private phone number of mine repeatedly, multiple times a day, from phone numbers all over the U.S. Because they are calling from so many different numbers, I can not block them. They are also calling my work phone number, when they 've been informed that I can not receive personal phone calls at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16 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: IL

Complaint narrative:
PLEASE HELP!!! BEGGING YOU! 
XXXX IS SIMPLY A DISASTER. 
Account for XXXX ( XXXX ) was settled via XXXX XXXX XXXX on XXXX.2016. I initiated numerous disputes with Equifax and CFPB to remove balance from my report. STILL THERE! 
Equifax removes it from my account just to put it back on few days later. I dont know what to do with it at this point. Last dispute that i initiated with equifax sits on their website still open for probably 4 months or longer. No phone number to call or otherwise reach to them. I cant hate it enough, this is not funny. That is the only account that sits on my report and ruins everything for me. 
HELLO EQUIFAX!!!!!!! I SETTLED THAT ACCOUNT AND PAID SETTLEMENT IN FULL OVER A YEAR AGO!!! THERE IS NOOOO BALANCE ON THAT ACCOUNT. 
PLEASE REMOVE THE BALANCE!!!! PLEASE DO NOT!!! PUT IT BACK NEXT MONTH!!! PLEASE UNDERSTAND THAT I AM A GOOD CITIZEN TRYING TO BUY A HOUSE FOR FAMILY AND BECAUSE OF YOUR ERROR I CANT. PLEASE INVESTIGATE WHY THIS BALANCE COMES BACK EVERY TIME YOU TAKE IT OFF!!! PLEASE!!!! 

Thank you very much, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with 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 2017-11-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance with 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 2017-11-16 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: PR

Complaint narrative:
I spoke to a Fraud specialist of Transunion and told them about the inquirys that appear on my credit history that i dont recognized .i send them a police report and proof that i didnt apply for those inquirys and nothing happen they still appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 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: PA

Complaint narrative:
In XX/XX/XXXX I put a fraud alert on each credit report and because of that I am now in XXXX. I would like to take the fraud alert off my credit report.

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