vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 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: TX

Complaint narrative:
After I saw Experian Credit Report on XX/XX/2018, I disputed several incorrect information. I received notification that Experian fixed the issues, I found no change and some information was adding up more incorrect information by them. 

It has been more than one month to correct simple information and Experian are making incorrect information worse each time I contact them. I saw their comment why they changed data more incorrect because I requested to do so. But I have never told them to correct information in wrong way. All what they say are incorrect and their conduct is unprofessional, incompetent.

My disputing items must be corrected immediately because it will be misrepresenting my information regardless my effort to fix with ill-intended changing to incorrect information based on my request which I never requested to them.

I told them to delete one credit card account because the card is upgraded to another card. There is no need to show both old card and current card. I told them to delete old card but they did not delete card and closed card. I disputed them again asking them why they closed the old account. One agent said he would correct information but later I found that Experian closed current card too
. And they commented that they closed 2 cards because of my request but I never requested them to do.

Today, I disputed with one agent and make him change the card status as I told him, and agent asked me if I contacted credit card bank. I said to hem what does he mean and bank has nothing to do with Experian 's showing incorrect information. I told him to open the current card, but he said that he could not open without Bank 's permission. After I heard him saying unbelievable statement, I was disgusted and thought there is no way to communicate with them anymore. And decided to file complaint to FTC. 
Please correct Experian 's unprofessionalism and disqualify them to serve as credit monitoring agency and also, fix my credit report with correct information.

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 2018-02-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I called and discussed the problem with a represenative and they told me that I could not dispute them they will fall off in 2 years. I kept explaining that they are unauthorized and he just said wait 2 years. He then put XXXX a supervisor and the phone and she could not understand me and I could not understand her

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Two issues with loan servicing for # XXXX  and formerly, # XXXX.

For the history of the loan, XXXX has had an escrow account in my name. 
The first issue occurred approximately 5 years ago ( XX/XX/XXXX ), Wells Fargo was taking money for escrow and did not pay my taxes or my insurance on time. I found out I owed the State of Texas and county in late fees. I paid those late fees because I really did not understand what was going on and the late fee were acquiring more late fees on top of the late fees ( for over three years, from XX/XX/XXXX to XX/XX/XXXX

).
Again this month after several hours of calls, I found out that this loan was " newly acquired, effective XX/XX/XXXX and no escrow monies are taken out. '' My bank statement reflects money being taken out each month. See attached. What is happening to my escrow monies? 

Second, equally major issue is that the XX/XX/XXXX XXXX XXXX, Form 1098, reflects line # 2,  Outstanding mortgage principle effective on XX/XX/XXXX as {$34000.00}. When I was inquiring with the XXXX agents about the issues with escrow not reflecting, they stated that I have a principle balance of {$49000.00}, effective XX/XX/XXXX. How can I owe more than $ 10k in one year to the bank, when I am making payments to the loan each month? Each year the 1098 form reflects the mortgage going down not up. 

Each time the XXXX information technology systems change, the customer ends up paying extra money or funds get mis-allocated. Also, the system is not accurately transferring my escrow money. 

Third issue is that the second loan, {$41000.00}, a home equity loan, formerly # XXXX, # XXXX, this loan was supposed to be against XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. This house was short sold along with this loan in XX/XX/XXXX. Why did this loan not go away along with the short sale 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 2018-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I wrote a {$200.00} check on my XXXX XXXX account for deposit in my XXXX XXXX XXXX   checking account. I received notice today from the XXXX XXXX XXXX that it was charging me {$20.00} because I had placed a stop payment on said check. This charge is excessive, unethical, and poor business practice. And unfair as there are excellent reasons for placing a stop on a check. I refuse to pay the said {$20.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
It's a company card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I entered into a loan rehabilitation program back in XX/XX/XXXX. I did not complete the program so I called to re enroll in XX/XX/XXXX/XX/XX/XXXX. I submitted documents but did not receive confirmation the documents were submitted. I do see online it says as of XX/XX/XXXX I was re-entered into the rehabilitation program and that my first payment is due on XX/XX/XXXX. I would like the follow questions answered : 1. Am I enrolled into the loan rehabilitation program?

2. After completing 9 monthly payments will my loan be out of default?

3. Was all of the necessary documentation received.

4. If not, what else is needed from me in order to complete the process for loan rehabilitation?

5. Is my first payment for the rehabilitation due on XX/XX/XXXX in the amount of {$5.00}?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
filed section 609 or verification was not verified and not deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
UNKNOWN INQURY ON REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I contacted the company ( Convergent ) to have the debt validated. I am unaware of this debt. They sent a bill with an unknown phone number listed. There is no proof that this debt belongs to 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 2018-02-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX collected monthly payments over a period of 4 years that were never applied to my account. I have held money order receipts for each transaction and forwarded these to a Navient supervisor by the name of " XXXX '' who I spoke to in XX/XX/2016. All of these correspondences were preserved within my Navient files. However, my account was continued to be listed in default even though Navient deposited each and every monthly payment. As such, my yearly income tax was withheld and I was labeled an 'unresponsive ' account holder by Federal Student Aid. After reading about the CFPB suit I spoke to XXXX # XXXX today at Navient who told me that my account records no longer exist and have been moved to XXXX XXXX XXXX. I would like to add my grievance to this national lawsuit https : //www.consumerfinance.gov/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I called into Wells Fargo about having my PMI removed from my home loan. I knew we bought the house for 75 % cents on the dollar and believed an appraisal would easily remove the mortgage insurance. I spoke to someone over the phone before ordering my appraisal and they said didn't say it was mandatory to have " improvements '' to remove the mortgage insurance. 

I order the appraisal on XX/XX/XXXX needing to hit a value of XXXX and received a value of XXXX on the XX/XX/XXXX. But wells fargo is rejecting my request saying because no improvements were made, they will not remove PMI. They are referencing a letter i received saying that Improvements must equal the difference. So two things, one i was told differently on the phone and two it doesnt say improvements are mandatory. Where we currently stand is i have a loan with Wells Fargo that is showing 78 % loan to value, with appraisal company of XXXX XXXX choice, but Wells Fargo won't remove Mortgage insurance because of i didnt build an improvement.

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 2018-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have an account with XXXX XXXX XXXX. I could not remember my password and was locked out. I reset password a couple weeks back. Upon going to website today, my password and username did not work, and the system stated I was locked out. In order to unlock, the system needed to verify that I was the account holder. I believe it asked for the account number and/or name. It also required my birth date and my entire social security number. I became suspicious as most times I am only asked for last 4 digits. I can even go with last 5 digits. When I contacted Saks, they stated that's how the site verifies. However, when speaking to someone in their technical support department, they only needed my last 4 digits and she asked some public record questions to unlock the account. I stated I was not comfortable giving anyone my entire SS #. I asked that she have them look into changing how they verify an account online using only the last 4 digits. I explained why the way they are currently verifying can be cause for caution. I would appreciate someone contacting XXXX regarding the way they are verifying information because, for example, if I am aware XXXX verifies by asking for entire SS # and a scammer have hi-jacked their website leading me to believe I am on their website, putting in my birthdate and entire SS # could set up for identity theft. I feel they are not protecting the consumer to the fullest degree. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I made a purchase of {$110.00} in XX/XX/XXXX. I inadvertently missed the payment and spoke with a representative that advised me to send in the balance due plus interest ( XXXX + XXXX interest accrued on XX/XX/XXXX + XXXX interest accrued on XX/XX/XXXX ) and the late fees could be waived. I sent in a payment of {$120.00}, which was applied on XX/XX/XXXX. The outstanding late fee of {$62.00} was not waived and has been COMPOUNDING and accruing interest ever since. The practice of charging late fees on late fees until the balance is out of hand seems abusive. I have since submitted a dispute ( XX/XX/XXXX ), however, XXXX XXXX appears dismiss disputes filed on late fees. They keep harassing me with collection calls 7 days a week. 

I am requesting that 1 ) the [ compounded ] Late Fees that have been assessed, became principal, accrued interest and charged late fees [ repeat ] for a total of {$350.00} as of XX/XX/XXXX be reversed/waived ; 2 ) my account be closed ; and 3 ) my credit be updated to reflect paid in full on XX/XX/XXXX with no late payments since. 

This practice is not fair and can put a consumer in financial hardship quickly. 
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 monetary relief
Consumer complaint received 2018-02-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
I keep getting phone calls at my job threatening me with be served and a lawsuit from XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: ACCOUNT SERVICES INC.
State: TX

Complaint narrative:
I obtained a copy of my credit report in XX/XX/2017 and noticed that Account Services , Inc. was reporting a collection account. I submitted a dispute letter to the credit bureaus regarding the account and they stated it was verified. To that end, I communicated in writing to Account Services, Inc. in XX/XX/2017. I requested that they provide me copies of any documents proving my indebtness. See attached documentation they sent in XX/XX/2017 -- -120 days later. This is wholly unacceptable and further the documentation they sent reflects that the patient was not me. The patient 's date of birth is listed as XX/XX/17, which is not my date of birth. The address listed is the Virgin Islands, for which I do not reside. This inaccurate entry on my report is illegally reporting and does not belong to me. REMOVE THIS ENTRY IMMEDIATELY AS ACCOUNT SERVICES IS VIOLATING MY CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: PA

Complaint narrative:
filed section 609 or verification was not verified and not deleted!

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 2018-02-05 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: PA

Complaint narrative:
filed section 609 or verification was not verified and not deleted!

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: HI

Complaint narrative:
I have a collection account on my credit report that does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: IN

Complaint narrative:
I am currently trying to refinance my home but my payments are not being reported/recorded with the credit bureau's..My credit was pulled just recently twice and both told me there is no record of US Bank reporting my payments to the credit bureau 's.

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 2018-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Systems, Inc.
State: FL

Complaint narrative:
I received a letter from Capital Recovery Systems located in Michigan. They claim I owe money for judgements to a PA court from XX/XX/1998. This was something resolved with another Court. Additionally, they are claiming ridiculous amounts. 20 years ... really? 

Collection Agencies shouldn't buy ( get consign ) old debt to harass people. I am in process of buying a new home for my Mother. She had a XXXX and the XXXX system failed her ... so I am doing what I can to make her life easier and help her recover. In the midst of making progress, Evil ( Collection Agencies ) try to stop progress. 

HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am a XXXX - year- old senior citizen who has been severely taken advantage by XXXX They used deceptive sales tactics to convince me to pay a hefty amount of money. I have come to realize that he knowingly and falsely promised me services he knew would lead nowhere and prove to be unsuccessful. 

He was talking about web hosting etc ... he said he would use keyword phrases that would put my website visibility in XXXX front page, even though I mentioned I had little experience or working knowledge of websites. However, the representative very adamantly insisted that I didn't need to have too much participation, because everything would be handled for me and it would be very easy to be successful. That has not been the case. 

The contract also states something about visibility listing scores yet when I search the company name nothing comes up unless a parenthesis is added. That is not the way anyone would go about searching. 

All I know is that I was coerced into paying for a very basic service, not at all the way it was described to me, what I paid for is not what I expected. I would like a refund of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: IL

Complaint narrative:
I have submitted numerous requests about deleting incorrect information on my credit file yet this company HAS NOT DELETED IT .... i wrote the courts in which they say THEY DO NOT SPEAK WITH CREDIT BUREAUS ... XXXX  says they verified this as mine thru the courts .. now today i receive a report saying they verified thru third party XXXX XXXX .... yet XXXX XXXX has been suppressed for over a year so how could this be an accurate..

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 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX ( UCB ) acting on behalf of XXXX contacted me between XX/XX/XXXX-XX/XX/XXXX to settle my debt of {$5400.00} ( account ending XXXX ). I was told over the phone that it would be resolved for {$900.00}, which I payed to UCB. 

My credit improved. By XX/XX/XXXX, my credit score was raised from XXXX to XXXX. 

In XX/XX/XXXX, this debt from XXXX reappeared in default, and my score suddenly plummeted to XXXX. 

Why is this being reported now? Either XXXX is mistaken or UCB has violated the FDCPA. 

THIS COMPLAINT IS A REQUEST OF PHONE RECORDS FROM UNITED COLLECTION BUREAU ( UCB ).

Company response to consumer: Closed with explanation