vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I contacted Caliber Home Loans back in XX/XX/XXXX to complete a loan modification due to a missed payment when Hurricane Irma happened. It is now XX/XX/XXXX and Caliber has yet to get all the information correct to complete this modification. It started off with not receiving faxes of required documents ( I have the fax confirmations ) so we started uploading all required documents into their website on my account. Every time I contacted them, a form was out of date and needed to be resubmitted. Any mailed information they send is 3 weeks behind and never loaded on my account on website. 
This exchange of required documentation went on for 6 months!!! 2 weeks ago, an agent provided me wrong information due to modification containing a payment HIGHER than what I pay now and her answer to me was I guess you need to find more money .... I immediately asked for a supervisor and was told by him that she gave me wrong information and he submitted information to modification group and not to make a payment this month until new payment is established. Well I called today ,XXXX, to find out what is going on and another agent gave me wrong information and no supervisor is available right now. 
Im trying to do the right thing and catch up on my payments using the help they offered and it has been literally 9 months of XXXX trying to get this completed. 
If I was not in the situation Im in due to handing parents financially as well, I would leave this company and I will tell anyone considering his company not to use them. They have been completely useless in my time of need. Of the 19 different single point of contact specialists I have had to deal with, each one says they will help and have everything handled for me ... .. yet it is not handled. I just want the modification and get back on track with my mortgage. This has been unnecessary stress for 9 months ( and counting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , Equifax and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , XXXX and Experian , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!

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 2018-07-03 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: MD

Complaint narrative:
Disputed information on Experian credit report about XXXX XXXX XXXX mortgage. The mortgage was included in bankruptcy discharge XX/XX/2015 and the account still has the activity from prior bankruptcy being reported. When attempting to dispute - prompted that unless new information was obtained, new investigation not available. 


1. The first investigation was not updated. 
2. The accounts activity, history and balances are being reported incorrectly 3. The account is closed. 


per FCRA : This item ( s ) is ( are ) inaccurate because ( list exactly why each item is incorrect or incomplete for instance, The debt was included in my bankruptcy and is only allowed to be shown as a XXXX balance-discharged in bankruptcy. No other negative information is allowed to be listed on that trade line. 

Further all other accounts that were included in bankruptcy are being reported this way and need to be reported correctly.

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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX. somehow indicated a debt on my account. I called XXXX at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and XXXX and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient received two payments from my bank one on XX/XX/18 and one on XX/XX/18. They refunded one of the payments on XX/XX/18 but did not post my payment to my account. They say they never received the second payment, that my bank refused to pay it. I have sent copies of my bank statements and a letter from the bank confirming that both payments were sent and only one was refunded but they still refuse to post the payment to my account. I have sent this information numerous times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}

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 2018-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$83.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2300.00} CREDITOR : XXXX XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$400.00} CREDITOR : XXXX XXXX   ACCOUNT # : XXXX AMOUNT : {$2200.00} XXXX Account # : XXXX Amount : {$2200.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$420.00} CREDITOR : XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2000.00}

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 2018-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy federal credit union threaten to report my car stolen when I was unable to make payments. I stopped driving the car, thinking they would just come get the car. It was stolen and I never reported it as stolen based on them telling me they were going to report the car stolen against me. For years they tarnished my credit even still even though this occurred almost 7 years ago. They report inaccurate information to the credit bureaus and have kept me in a state where I havent been able to recover. I had XXXX insurance I was going had filed for XXXX with the XXXX while this was happening I was working due to my XXXX and couldnt make the payments. I am now XXXX XXXX XXXX when I tried to get them to honor the XXXX insurance they refuse. Ive written to the ceo to no avail. I saw they had to pay I deserve some of it due to their business practices. Please help! I still have the recored conversations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My XXXX year old XXXX 's account is blocked by Citibank since XX/XX/2018. More than one week with no access to funds. We have been to the Citibank branch twice and complied with all requests. They can not explain why the account is blocked.

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 2018-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial
State: NJ

Complaint narrative:
As a customer of Ameritech Financial I was not informed that the forms that I filled were available for free and that their service was unnecessary as I filled out all the forms and mailed. I am also concerned about identity theft because I have give out some very sensitive information ( such as XXXX in username and password to my XXXX XXXX account and website ) Im afraid that im involved in fraud. Ameritech Financial did not make payments towards my loan and my interest has been accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, my XXXX and I opened a home equity line of credit with Bank of America. For the first XXXX years of the loan, the payments were interest only, which were paid 100 % on time. In XX/XX/XXXX, before the loan would transition to including principle payments, I contacted Bank of America and spoke with a woman named XXXX XXXX regarding extending the interest-only time period for a few more months while I sold the property and could pay off the entirety of the loan once it was complete. She assured me this arrangement was satisfactory and approved, and in the same phone call I made the following XXXX months payments. 

Despite this arrangement, I began receiving phone calls from Bank of America informing me that my payments were past due. I informed each caller of the arrangement Id made, yet they continued. No one I spoke to would confirm the arrangement Id made nor put me back in touch with XXXX XXXX to straighten this whole thing out. 

In XXXX and then again in XXXX I sent letters directly to XXXX XXXX, XXXX at Bank of America. I asked him to see the error was rectified and explained that the oversight on behalf of his company would cost me in the millions. I have not received any response. I disputed the incorrect history on the various credit bureaus, and they have remained unchanged at Bank of Americas instruction. 

Suffice it to say this has been a very frustrating situation and I would like it rectified immediately. I am very disappointed in having fallen prey to Bank of Americas less-than-stellar business practices that have led to multiple class actions suits against them. I have included the letters sent to XXXX XXXX, as well as the proof of delivery from 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 2018-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX. somehow indicated a debt on my account. I called HSBC at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and HSBC and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arnold Scott Harris, P.C.
State: GA

Complaint narrative:
On XX/XX/XXXX, I and XXXX friends legally parked at a metered space in the XXXX XXXX XXXX. On XX/XX/XXXX, I received a Notice of Parking Violation from the City. I filed an Appeal on XX/XX/XXXX, and sent accompanying proof of payment of the meter, documentation from friends acknowledging meter was paid, and that the meter service was incorrect and I owe no fine. On XX/XX/XXXX, I received a reply ( dated XX/XX/XXXX ) allowing me until XX/XX/XXXX, to pay the improperly and illegally accessed fine. After contacting elected XXXX XXXX officials, I was advised to contact legal entities regarding this illegally accessed fine. On XX/XX/XXXX, I wrote to the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX at the XXXX XXXX regarding my appeal of the validity/Finding on Ticket XXXX. I was not afforded the opportunity to file a 2nd appeal as others have been documented and allowed to file. I resubmitted my Appeal anyway and since I do not reside in Illinois, I was not able to appear in person and fight this bogus fine. Again I provided definitive written and photographic proof, including proof of credit card payment of the parking meter fee, but have received no favorable response from the XXXX XXXX  XXXX about this improperly assessed fine. I also mailed a written notice of my grievance against XXXX XXXX XXXX XXXX XXXX XXXX or a contracted legal contractor handling matters on her behalf for this action that violates the judicial code by showing improper review of evidence, improper finding, and the miscarriage of  justice against me in this matter. Now the illegal action of assessing an improper fine has resulted in increased charges and the original fine for not paying the {$8.00} meter fee which I proved beyond any doubt was paid has resulted in me being contacted by US Mail by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX for a debt that I do not legally owe in the amount of {$150.00}.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
XX/XX/2018 Reference : Formal Complaint against Calvary Portfolio Services, LLC. 

On XX/XX/XXXX I received my Credit Report from XXXX, and in this report appears that the Calvary Portfolio Services, LLC. reported three debt collection accounts against me. 
These the following debt collection accounts that Calvary Portfolio reported against me, at XXXX of my XXXX Credit Report : 1- First Debt Collection Account : {$1200.00} 2. Second Debt Collection Account : {$1600.00} 3. Third Debt Collection Account : {$980.00} On XX/XX/2018 I sent a certified mail with service return to : CALVARY PORTFOLIO SERVICES , LLC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NY XXXX, to dispute these debt collection accounts, but this company never sent me the copies of the information that I requested : The last statement of my last payment to the original creditors for all debt collections accounts. This important to determinate the Statue Limitations for these debt collections, also because I initiated these accounts some years ago in XXXX, Florida, and the Statue of Limitations in Florida is 5 years. 
Also, because a Law Firm XXXX XXXX XXXX sent me a letter to force me to pay a debt collection account of XXXX, XXXX, {$1200.00}. 
But, I called XXXX, XXXX, and they informed me that I don't have any pending account in their system, and I gave them twice my social security, but for this document they can't find any pending debt for my name and last name. The problem is that credit account is not mine. 
I request an investigation against this company, because they informed inaccurate information for the XXXX  company, and this information affects my credit activities and employment activities. I consider this action as defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/2018 my XXXX and I inquired via phone with Huntington Bank about applying for a HELOC. We were encouraged to go in person to a local branch to discuss our options. We met XXXX ( branch manager ) who explained a few different options, and that the loan he was considering for us required a XXXX credit score. We were instructed to send pay stubs and proof of homeowners insurance, which we provided via email on XX/XX/XXXX. We did not complete any paperwork at the bank, nor did we sign an application. On XX/XX/XXXX we received an email that referenced some disclosures attached, but when we attempted to open the attachment file, it was empty. My XXXX  had opened the file and noticed documents ; however, they were removed before I could look at them. I emailed XXXX on XX/XX/XXXX to further inquire about the possible loan options and he never responded. We contacted XXXX 's supervisor who informed that we were denied due to low credit scores and late credit card payments, but that XXXX was looking into other options for us. I let the supervisor know that my XXXX 's credit score is XXXX which seemed sufficient for the loan we were told about, and he said that we needed a XXXX  score for the loan product. Further, we have no late payments on our credit cards. We have never received any paperwork or proper disclosures regarding this adverse action, nor did we sign any documents providing Huntington permission to run our credit. We are wondering if this is a RESPA violation, an ECOA violation or a combination of both.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Opened a Business Home Depot Commercial Credit Card XX/XX/XXXX. Account had charges of {$160.00} paid on XX/XX/XXXX. The account was assessed late fees and other fees. I was not aware of charges and did not receive statements indicating there had been charges on the account until Citi Bank called me indicating the account was past due. I stated so Citi Bank since I did not receive statements and was unaware of the charges, it was unreasonable to request these fees be paid. I stated I would not pay for the late fees and demanded for them to be removed as I paid the charges in full. Citi Bank did not comply. XX/XX/XXXX I received a written notice from Citi Bank indicating the account was delinquent by {$35.00}. I have not received any documentation from Citi Bank since XX/XX/XXXX until this notice I received in the last week of XX/XX/XXXX. I have disputed these charges in XX/XX/XXXX and am disputing them again. I spoke with a Citi Bank collections representative XX/XX/XXXX and he indicated the balance was {$99.00} and the account has been sent to a collection agency. Representative would not indicate the discrepancy in the amounts of {$35.00} and the {$99.00} and attempted to redirect me to the collection agency, I denied. This account was closed by Citi Bank in XXXX. I can not access the account online nor any statements. I have requested statements from Citi Bank and representative indicated the request will take 30-60 days to receive statements from XX/XX/XXXX to 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