vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX sent a collection account to XXXX, Equifax and XXXX. The loan was taken out in 2011 from XXXXXXXX XXXX XXXX and they state that the loan is still open. Once I found out that they had no license in Florida and that the loan was illegal I sent them a letter to stop taking payments from my account. They would not honor this request and I had to close my account. This loan is not legal or binding nor reportable to credit bureaus. I disputed this report with XXXX and they said it was verified. XXXX never contacted me about this loan. They just reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
I purchased my FHA home loan in XXXX. 
I lost my federal government job in XXXX. 
XXXX XXXX XXXX sold the loan in XXXX ; to XXXX XXXX ; due to delinquent payments. 
XXXX, XXXX sold the loan to an XXXX ; due to delinquent payments. 
The alonge note is not the original ; as I purchased the loan in XXXX. 
The Lender has converted my FHA loan to a conventional loan. 
The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. 
I was never notified that I no longer had a FHA loan

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 2018-12-01 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: LA

Complaint narrative:
It is my belief that my original complaint dated XX/XX/XXXX was erroneously classified as a dispute of a Credit Score and the CFPB Complaint ID XXXX was subsequently closed as a result of such a classification. Therefore, I am rewording & again submitting my primary complaint with very concise concerns. ( 1 ) Please provide me with the chapter and verse, per se, of the FCRA regulation which allows Credit Reporting Agencies to delete non-adverse payment data on accounts that have been Paid and Closed for at least ten years? This request is being made since deletion of such aged data appears to be an industry norm. Meaning, all three of the major Credit Reporting Agencies appear to be engaged in the same activity. ( 2 )  Regarding my account that was opened back in XX/XX/XXXX, I can see data going back only about seven years reflected on your latest report. Why is it, all of my perfect payment details going back to XXXX is not being shown for this account? Instead, your agency is mailing to me of a lot of reference material using a lot of paper which includes at least one non-working phone number for a XXXX, XXXX, number XXXX. Regarding this alleged toll free number, I again dialed it on XX/XX/XXXX, at XXXX XXXX  CDT. A recorded message states in part, were sorry the number you have dialed is not in service at this time or can not be reached from your calling area. As you may be aware, so-called reformed hardened street criminals, cyber criminals, bullies, as well as, persons just harboring hate have many different means they are using these days to either defraud one of goods & services or just simply to disrupt and/or deprive one of the rightful use and access of what rightfully & legally belongs to another person. Please mail me a new credit report once you have completed your research, if any.

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 2018-12-01 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2018-12-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account CHASE AUTO Opened Date XX/XX/2016 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CHASE AUTO was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the 2nd complaint regarding this illegal situation. Citibank has placed a block on our Living Trust account, negligently again without formal communication from them. Also from my last complaint, Citibank submitted documents showing that they sent the documents request to an address where we haven't lived since XX/XX/XXXX but yet current statements reflect our correct address. Since my last complaint, I received a phone call from a XXXX XXXX from the XXXX XXXX XXXX XXXX Branch in XXXX XXXX XXXX. She asked me to fill out the documentation that was requested from me by their Know Your Customer Department ( " XXXX '' ), which I did and submitted directly to her on XX/XX/XXXX via email. The matter was supposed to be resolved. 

XX/XX/XXXX - My wife attempted to make a transaction using her Citibank debit card. The transaction was denied. She called me and asked me to find out why her transaction was denied. I called and spoke with a representative who then confirmed that the account was blocked by XXXX. They then transferred me to them and after an half an hour hold time, they informed me that they haven't received the documents that I submitted to XXXX XXXX. I informed them that I submitted those documents, as per their instructions, to XXXX XXXX in late XX/XX/XXXX. I asked them to remove the block and they informed me that they couldn't remove it until they receive those documents. Shortly after, I called the branch to where I was transferred back to their regular customer service number and then I was able to speak with XXXX XXXX. I informed her that XXXX has blocked the account again because they haven't received the documents I submitted to her. She confirmed to me that she submitted documents. I asked her twice, via email, for an update and the last communication was that someone in XXXX has confirmed that they have the documents and are working on removing the block. 

XX/XX/XXXX - My distraught wife called and spoke with a Citibank Customer Service to ask for the status of our account and if the block was removed. The block wasn't removed and she was transferred to XXXX who claimed that they don't have the documents which is contrary to what XXXX XXXX reported to me. This is crippling us and has put us in an embarrassing situation where we have to ask family and neighbors for financial help because of their negligence.

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 2018-12-01 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: Credit Karma, LLC
State: NY

Complaint narrative:
On average I have called them 4 times a month because XXXX constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I called Ditech about 1 month ago. 

I told them that I wanted to drop my Private Mortgage Insurance ( PMI ). 

They wanted me to Write Them A Letter. 

They will not talk to me about this on the Phone. 

They finally gave me an email address that I could send them an email. 

I emailed them my information and told them I wanted to drop the PMI. ( you can do this after you have had the loan for 2 years ). I have had the loan for 3 years. 

They denied my cancellation due to the fact that I did not send them a Authorization For Appraisal. 

It has taken 2 weeks for me to be denied be cause I did not send them a Aurthorization For Appraisal. ( I had no idea that I needed a Authorization For Appraisal Form and no idea of where to get one ). 

My complaint is this : We live in the 21st century. Every other department that Ditech XXXX has, you can talk to a representative. 
However, to drop your PMI, you have to use Stone Age communication. They do not freely give out an email address to the PMI department. You have to threaten to contact the Insurance commision or the Federal Trade Commission to get an Email Address. They should be made to have a phone number for the PMI department and personnel experience with PMI answering that Phone Number. 

I have sent the Authorization For Appraisal Form to them by Fax and mailed a letter to an address in South Dakota that they gave me and I did get an email address from a lady at Ditech, but I am not sure if the email address is actually to the PMI department. 

This is unfair to the consumer : If you want to pay them money, they will gladly give you a hotline to call, but, when they legally have to allow you to drop PMI after 2 years if you owe less than 80 percent of the loan. They will Not talk to you on the phone. They make it very difficult to communicate with them about removing PMI from your Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: Diversified Consultants, Inc.
State: MA

Complaint narrative:
This is not my account and I don't understand why the Diversified Consultants collection agency keeps adding it to my credit report every 6 months. 

On XX/XX/2018, a false debt of {$480.00} was reported to XXXX  and XXXX. This false debt has an account name of " XXXX XXXX '', with an account number of " XXXX '' and open date of " XX/XX/2018 ''. 

XX/XX/2018, a false account shows a date opened of XX/XX/2018, with an account name of " XXXX '' and an account number of " XXXX ''. XX/XX/2018, I disputed this with XXXX  and XXXX, and the credit bureaus deleted this false information from my credit report. 

In XX/XX/2018, I contacted the Diversified Consultants collection company in regards to this false account. I spoke with a representative who had no information other than my partial first name and my full last name. The representative kept asking for my social security number, my date of birth and my mailing address. I did not give any of this information. I asked the representative to give me some information in regards to this false debt, the representative said they would not give me information until I gave them my social security number, my date of birth and my mailing address. 

I do have a work phone that uses XXXX XXXX XXXX XXXX. I am concerned that this false debt may have picked up my name from that account. I have not received any statements nor information in the mail in regards to this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. Capital One needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I called PayPal to make a tution payment of {$1500.00} for a 30 day course in XXXX. At the time I thought my bank acct was being debited as it had happened at other times I did business with Paypal. Instead the agent advised me I could pay up in 6 months at 0 % interest. He then asked me to verify my email, I gave him my XXXX acct. Complaint # 1, I never received confirmation to my XXXX regarding terms and conditions of this transaction. In XXXX I returned from XXXX and I went about my business as usual. Complaint # 2, I never received reminders ; they say they sent them to a XXXX XXXX account which I had deactivated way before XXXX Evidently PayPal failed to update my XXXX acct I gave the agent on XX/XX/XXXX. 
OnXX/XX/XXXXXX/XX/XXXX for the first time I received a call from PayPal XXXX XXXX. I was in shock when the agent asked me for {$120.00} past due [ I am proud of my excellent credit report ]. At that moment I thought it was a scam but after I checked my records I realized that I had a problem. My requests : I would like a waiver of half of the remaining balance because they failed to send reminders to my XXXX. Instead they sent emails to a deactivated XXXX account. Also, PayPal took 8 months to call for the first time, why someone did not call me in XXXX or XXXX. XXXX XXXX I wrote to MsXXXX XXXX XXXX, VP of XXXX XXXX to explain my case. I only received a generic email stating they're investigating, ( note : at the time I felt some responsibility and decided to pay {$100.00} leaving {$100.00} balance ). A week later I followed up as I was concerned I had heard nothing back, only to be told the case was closed and I had to pay. To add insult to injury, I discovered that more interest was charged on interest. I asked the agent why they didn't send anything in writing to this effect and he could not give any reason, he only repeated that I to pay. 
OnXX/XX/XXXX. I wrote a second letter to Ms. XXXX. And again, I only received a generic acknowledgement. I suspect nothing will be done, hence my reason for this complaint. I see a pattern here, poor customer service and inability to communicate in writing and clearly. 
Thank you for your services.

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 2018-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX I had to cancel my XXXX XXXX XXXX Credit Card because this company started charging late fees, stating that I had not paid my payment on time, however, I had always paid this bill on the same time period since I had the card since XXXX, then I had to start paying card by sending certified mail. This did not end charges, so I discontinued my card. I did send letter of complaint to company regarding these mistakes, and they did refund my late charges. Now, however, on my XX/XX/XXXX statement they raised my interest rate from 11.99 % to 12.24 % with no prior warning, so I missed this increase on this statement. On my XX/XX/XXXX statement I caught the interest rate increase. Called XXXX  XXXX XXXX XXXX and spoke to customer rep who stated that they were allowed to increase my interest rate. I told rep I thought this may be illegal, as I could not understand how interest rate could be charged at different amount than what you paid at time you purchased the item in the past. This card is closed, and I have not used this card since XXXX. I am paying this card off and have never missed any payments on this card. Should my interest rate still be 11.99 %?

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 2018-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient systematically misdirected me into an income-driven repayment option without making it clear that I would not student qualify for Public Service Loan Forgiveness even though I am working in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with 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 2018-12-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with 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 2018-12-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My CapitalOne XXXX XXXX charged me for a transaction I disputed and paid using another payment method, even after several attempts to explain and document share using secured link and through Mail and several Calls. 

Now they started charging me Late Agee for the same, for that transaction which I categorically denied and disunited. 

Please kindly help, its a huge amount of - XXXX $ I can provide all other documentation I shared with CapitalOne besides the uploaded documents as required. 
Thanks & Regards XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I called Hospital to set payments on my account, the lady said unless I come up with {$1000.00} up front she couldn't set up my payments. Well I do not have that money but I started to make payments on my account monthly anyway. Even then Hospital sent me to collections with not advice or anything. 
Please help. Thanks

Company response to consumer: Closed with explanation