vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: NJ

Complaint narrative:
Statebridge has the worst customer service. An employee from Statebridge called me on Sat, XXXX XXXX, 2017. She said she was calling me to inform me that my HOA ( Homeowner 's Association ) billed them {$980.00}, and that they paid the bill. She told me I will be needed to repay them. I asked " What are you talking about?? '' Why would they bill you? What was it for? '' She said she did n't have that information. I said well get someone who does. She said she could n't do that, and that I would have to get the info from my HOA. I told her that this was a ridiculous phone call! I have had nothing but issues with Statebridge since they acquired my mortgage from XXXX, and that I ca n't wait to get refinance with another company!! So I contacted the President of my board. She contacted the Management Company. They do n't know what my mortgage company is talking about!! I called Statebridge on XXXX XXXX, spoke to XXXX. He listened to my issue and said he would call me back once he spoke to the woman who " knew about this issue ''. That was yesterday, I never heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ASTA FUNDING INC.
State: IN

Complaint narrative:
ASTA FUNDING AND XXXX FAILED TO ADHERE TO THE BANKRUPTCY NOTICE, AND WAS RE-INSERTED BACK ONTO MY XXXX CREDIT REPORT. 
THE S.O.L. HAD EXPIRED AND THE CALLS TO MY CELL STOP CALLING. ( 11 CALLS OVER 3 YEARS. 

THEY HAVE VIOLATED F.C.R.A., F.D.C.P.A., T.C.P.A. S.O.L. ETC. 

MORE IMPORTANTLY VIOLATED THE DODD-FRANCK ACT.

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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
On XXXX XXXX I called a number given to me by a XXXX store representative to talk about removing a collection from my credit report if it was paid in full. I had previously settled for less than the full balance but wanted to know if I was able to have it removed if I was able to pay the remaining balance. When I called the number on the phone a second representative and I went through a long processes of confirming my identity because the account was so old that I did n't remember any of my old security information. After I was eventually able to confirm everything I asked him if by paying the account in full the collection would be removed. He said that doing so would remove it so I paid the remaining balance over the phone then filed a dispute with each credit reporting bureau to make sure that the collection was updated and removed now that the full balance had been paid. Today I received the first results of my dispute from XXXX telling me that the collection will remain on my report until XXXXe 2019. It bothers me that I was misinformed by two separate XXXX representatives about the outcome of paying off the remaining balance and then the fact that doing so will result in no change whatsoever.

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: Navient Solutions, LLC.
State: GA

Complaint narrative:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for XXXX years. Please remove them from all three credit reports. Thank you!

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. 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 non-monetary relief
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: TX

Complaint narrative:
Received a notification from Chase that my rate was going up 5 % from 11.24 % to 16.24 % for no reason outside of increasing their profit margin. i have an 800+ credit score and pay off my balance monthly with all my credit cards. I 've had this card for over 20 years and never a late payment. After speaking with a supervisor, I was told I could either cancel the card or accept the terms. How are those choices for me? I accept a 50 % increase in my rate or lose my credit history which would negatively affect my credit score. I want my original terms just in case I need to carry a balance in the future. I felt like there was a XXXX to my head to make a choice that only benefits Chase. Absolutely horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I fell on hardship due to health issues, XXXX, XXXX, etc ... 
I was n't able to do my taxes for XX/XX/XXXXand XX/XX/XXXXmy accountant is working on XX/XX/XXXXnow I requested for a week calling everyday BOFA and they refused to provide me with the XXXX form everyday i spent minimum of 3 hrs on the phone, costumer service to foreclosure, foreclosure to customer service back and for 2 to 3 time every phone call costumer service claimed that the can pull up, the form because i 'm on foreclosure, and foreclosure they do n't have it, so i can not finished my taxes to apply for loan modification furthermore they cheated me on this heloc at the time of the signing i specific asked if the term of the loan will change after 10 or 15 years and she told me NOT I was paying interest only and suddenly my payment jump from around 1K to almost 3K they never notified me of this changes nor explained that indeed the term of the loan changed after 10 years They are crooks and thieves 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 non-monetary relief
Consumer complaint received 2017-11-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, there was a charge of {$81.00} from a hotel named XXXX XXXX in XXXX, XXXX that was charged on to my Citi credit card. After I saw the charge, I contacted the Citi customer service for a dispute on the charge, and they gave me a temporary credit. After 2 months, on XX/XX/XXXX, the dispute charge was reversed back in to my account, saying that the person who used my credit card number said I gave them my credit card number for them to book for the hotel on XXXX. When I saw the documents that Citi provided me, it showed that the credit card number was entered manually by the hotel, and the signature that was on the receipts were not of mine. I have contacted the fraud department of Citi, but have not heard back from them about this 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 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 — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I apply to refinance my home laon with this morgage company XXXX has a program called HARP. Harp program is for people that have mortgage problems or issues in XXXX. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when XXXX person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because bank of America screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why bank of America was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have paid this loan for approximately 10 years ( XXXX to current ). 

The original loan amount {$60000.00} Current balance {$49000.00} Pay down over 10 years {$11000.00} Annual principal reduction per year {$1100.00} Projected Loan Pay Off XX/XX/XXXX( I 'll be XXXX years old ) I believe that the loan is a Predatory mortgages and is unfair and abusive. The terms of this loan maximizes the lender 's profits while making it very difficult for me to repay the loan. I have little financial knowledge and minimal financial resources. 

I am uncertain if Wells Fargo has violated the federal Fair Housing Act by engaging in lending practices that favor the lender not the homeowner. This is a very bad loan for my circumstance which can result in foreclosure from a single unexpected change in my lively hood or health. 

To worsen matters, Wells Fargo has placed PMI insurance on my second mortgage even though I have an impound account with my first mortgage company. My first mortgage is and has been current. I have asked Wells Fargo to provide me documentation substantiating the additional fees yet they has not provided me any 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 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: CITIBANK, N.A.
State: NE

Complaint narrative:
A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?

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 — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I had an overdue account with XXXX. The debt was sold to a company named EOS CCA who sent me paper mail and the debt was paid. The debt was {$500.00}. The debt was paid in full although I do remember thinking their form of payment was a bit odd as it was basically a cash transaction. On XXXX/XXXX/2017 I received an email from XXXX informing me there was a change in my credit report and as of logging in and looking at it I found it was a very significant drop due to EOS CCA reporting me for collections. I was never contacted by the company in any form. I did research and found that I was one of very many people scammed by this company and it 's fraudulent acts of business.

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: GA

Complaint narrative:
I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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: 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PARSON BISHOP SERVICES, INC
State: TN

Complaint narrative:
XX/XX/XXXX - Collection agency ( Parson Bishop Services ) contacted me regarding a false charge of {$240.00} with XXXX XXXX. I explained that bid was accepted, but soon after 2 weeks I realized I did not want to take part of this organization and thus forfeited any communication with organization. I never attended any meetings, events, or pledge ceremony held by XXXX XXXX. I asked collection agency for proof that I signed anything and they have yet to respond. They threatened to report it the credit bureaus and insisted that my credit would be damaged for 7 years. 
XX/XX/XXXX - I received another call from XXXX XXXX XXXX XXXXregarding attempt to collect debt and another threat was made saying that they will be reporting me to credit bureau by XXXX XXXX if debt is not paid. On this date I sent a letter of dispute via email to email provided by collection agent requesting for signed paperwork stating that I am indeed responsible for this debt. Collection agency has yet to reply and provide proper verification. At least 3 more calls have been placed after XX/XX/XXXX. 
I have also contacted said organization and they insist I am responsible although I was not involved with them in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I received a letter dated XX/XX/XXXX from my previous mortgage servicer, XXXX XXXX XXXX XXXX, stating that the servicing of my loan was being transferred to Shellpoint Mortgage Servicing effective with my XX/XX/XXXX payment. The letter stated that Shellpoint " will be responsible for such things as paying your property taxes. '' I never received a welcome email, phone call, or letter from Shellpoint. On XX/XX/XXXX, I called Shellpoint inquiring about how to pay my mortgage payment due XX/XX/XXXX. I was told that my mortgage was just entered into Shellpoint 's system that day ( even though I was notified about the mortgage being transferred to Shellpoint a month earlier ) and all the information about my mortgage was not yet available in the system. I called Shellpoint a week later, on XX/XX/XXXX, to confirm that Shellpoint was paying or had paid my quarterly property tax, due XX/XX/XXXX. I was told that they were not paying the property tax, and I had to email them a copy of my property tax bill, which I did on XX/XX/XXXX. I received confirmation of receipt of my email and property tax bill on XX/XX/XXXX ; the email stated " Your documents have been received and forwarded for processing. '' I called Shellpoint again on XX/XX/XXXX to confirm that my property tax bill was being paid, as it was now a week overdue. I was told the tax bill was with a 3rd party to be paid and any late payment penalties would be charged to that 3rd party. The customer service representative could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. I called Shellpoint yet again, a week later, on XX/XX/XXXX, and was told the same thing - that the tax bill was with a 3rd party to be paid, they could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. This is absolutely unacceptable and certainly not how I run my household, nor would I run a business like this. If a bill is overdue, it should be paid ASAP. My property tax bill is now 15 days overdue, and I am requesting that it be paid by Shellpoint, using the funds in my escrow account, ASAP. I am very unimpressed with Shellpoint Mortgage Servicing.

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 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: CA

Complaint narrative:
On XXXX, I received a mail notification from Chase stating my account interest rate would increase from 10.24 % to 15.24 %, an almost 49 % increase. 

On the statement it claims " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts ''. 

I do not know what these similar accounts are or the criteria for similar accounts might be. The representative on the phone could not adequately explain this to me. 

Also, they state " We also took into account your other Chase relationships when making this change ''. The representative on the phone could not adequately explain how the relationships related to a 5 % APR increase. 

I do not know what the criteria is or how that positively or negatively affects my interest rate. I would like it explained.

Company response to consumer: Closed with explanation