vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-18 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: IL

Complaint narrative:
I noticed an increase on my loan amount from XX/XX/XXXXfor over XXXX, with XXXX XXXX XXXX. I have tried to talk to them to explain to me about these discrepancies. Today XX/XX/2019 I called 4 times and every customer service representative has either transfer me and hanged up on me before I can get this issue resolved. I am very disappointed as to how XXXX XXXX XXXX has handled this issue. These information appeared 2 weeks ago because on Equifax, XXXX and XXXX. I am trying to purchase another property and I can not do it without them changing the information. It appears to me that there is some fraud activity going on and they don't want me to know or to give up clarifying. I have requested for the Fraud Department mailing address and it was not provided to me. I wish some more people come forward and report any of these similar activities with their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with COMENITYCB/DNTALLIANCE in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This account with fraud charges being reported to the credit bureaus is a violation under the FCRA. 

Account is the following : 1 ) COMENITYCB/DNTALLIANCE. XXXX. Opened Date XX/XX/XXXX. Limit {$2100.00}. Balance {$0.00}. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Attached : Letter sent to COMENITYCB/DNTALLIANCE and FTC Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This debt was disputed and deleted from my credit reports. This was disputed and removed in XX/XX/2019. Now in XX/XX/2019, the collection agency has put the deleted debt BACK on my report. This is over 5 months later, after being disputed and they did not/ could not verify the debt. I do know that according to the Fair Credit reporting Act, that a debt can not be put BACK on a credit report if there is no new action taken by myself or if Im not notified. This is illegal. I want this debt removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank auto lease reported a 30 day late payment on my report on XX/XX/2018 but the vehicle was purchased by a car dealer and traded in for a different vehicle on XX/XX/2018 before the lease payment due date on the XX/XX/XXXX every month. Attached doc showing trade in and purchase of the USB lease vehicle : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: NV

Complaint narrative:
XXXX XXXX Keeps sending me to collections for a bill that is not owed I had a prepaid account so I paid I advance for services and upfront I have no contract with XXXX XXXX XXXX and XXXX  both took the collection off and now XXXX XXXX  sold it to another 3rd party company and now it is back on my XXXX credit report with a different collection then before Company called focus receivables management XXXX XXXX should be in trouble hirting peoples credit for bills that are not owed to them my credit score went down 75 points for a bill I do not owe XXXX should now be allowed to do business that way

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
The XXXX XXXX credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, XXXX XXXX XXXX sold the debt to Portfolio Recovery Associates. I received a letter from Portfolio Recovery Associates with a reply that the debt was discharged in Chapter. Portfolio Recovery Associates calls daily more than three times per day regarding collecting the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
on XX/XX/2019 I called in to Sallie Mae to continue my Forbearance with them and to pay on a loan that was due for {$120.00}. I asked the representative why the amount is higher than what i was told at the beginning of the month. She then continued to ask how i would like to make the payment. I Advised that i was told i only owed the XXXX not the XXXX they are trying to say. The representative then told me " she's not doing this back and forth thing with me and she is just trying to do her job '' I advised i didn't need her attitude and that i am asking her why my payments are higher than previously stated. She continued being very rude and transferred me to a manager who continued being just as rude to me. Their customer service is completely disrespectful and need to be held accountable for their disgusting actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
A two month deferral was granted covering the months of XX/XX/XXXX and XX/XX/XXXX,  billing info currently shows a payment due for XX/XX/XXXX I believe, the correct due date should show XX/XX/XXXX, due to two month deferral. I attempted to double check this info earlier this evening on XX/XX/18, the site showed an error message stating " Currently experiencing technical issues, please try again later ''. This message appears frequently when attempting to log in and it is not an issue with log in ID including password and or user name, it appears there is an ongoing issue with BMWF site when attempting to log in. I mentioned this issue to reps prior, one rep stated the issue happened before with other customers. I do not believe the log in issue has to do with account showing payment due for XX/XX/XXXX rather than correct date of XX/XX/XXXX, it appears to be a separate technical issue. However, the billing should be corrected to show correct due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL

Complaint narrative:
On XX/XX/XXXX, Attorneys affiliated with XXXX XXXX XXXX XXXX XXXX XXXX located in XXXX IL, filed and was granted a default judgement against me in XXXX XXXX, IL. 
The debt was charged off by Prestige Financial Services , Inc. on XX/XX/XXXX to a third party company ( that is not referred to or is XXXX XXXX XXXX XXXX XXXX. 
The dispute of of debt was responded to on XX/XX/XXXX by XXXX XXXX, Attorney for XXXX XXXX XXXX saying that I owed a principal balance of {$11000.00}, a fee balance of {$510.00}, the amount of interest accrued ( 29.99 % interest rate ) was {$3400.00} and the total balance that was due at the time of the letter was {$15000.00}. The contract was started on XX/XX/XXXX and last payment was made on XX/XX/XXXX ( with monthly payments being {$340.00}. Amount financed on XX/XX/XXXX was {$11000.00} and was paid for 16 months totaling {$5500.00}. 
According to court document filed, the amount claimed was {$14000.00} plus court fees. The car was repoed and sold in an auction as well. 
According to a financial statement from Prestige Financial on XX/XX/XXXX, the amount of interest that was accrued was {$6100.00}, the interest paid was {$4600.00} leaving an interest balance of {$1500.00}, with total fees being {$610.00}, total fees paid {$98.00} ( auction price ), making balance fee {$510.00}. Principal balance was XXXX XXXX {$1500.00} of balance interest and {$510.00} of balance fees totaling the account balance to {$13000.00} after charge off date which is different from amount on court document and amount on debt dispute letter response from XXXX XXXX XXXX XXXX XXXX Where did my monthly payments of {$340.00} go???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, like XXXX was asked earlier in the year ( XX/XX/XXXX ) to correct a XXXX error on my credit report. They ignore me for 10 months initially reporting that the company ( XXXX ) had verified the account. So, for 10 extra months it stay on my credit report inaccurate because they ignored my request, I called XXXX myself last week and they acknowledged the error although they been reporting it as accurate. So, now they want to update it after almost a year, and then it dropped my credit score 14 points. The error reporting cause issues on my credit report and kept me from getting things I needed. This should have been immediately removed from my credit report, instead they decided to update it after almost a year causing me to loose more points. This was an error and it should have been 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 2019-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I ordered food on the XXXX app but did not receive any food nor anything at all. Since my order was paid for on the app, the store manager XXXX told me they can not process refunds for purchases made on the app and directed me to dispute the transaction with my bank to obtain the refund. 

I disputed the transaction with my bank ( Simple ) and received a reply stating there is no appropriate resolution procedure and said sorry the merchant has been unhelpful. 

I didnt receive anything for the charge of {$5.00} and I have attempted a resolution with both XXXXs manager XXXX and Simple Bank with no success recovering funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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 — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Lost my credit card and when I tried to access my online banking due to the fact that I got my credit card from my bank called to report it lost/stolen and found out through them that there were fraudulent activities going on I spent 2 weeks trying to get someone from the fraudulent department and never got a call so later on this ween I get a notification from XXXX that my credit card was closed per my request which the consumer lied on me I never requested to closed I've been trying to reach out to them to resolved this matter and no one called receive a bill statement with activities that I never purchased my credit score drop due to the closed account I shouldn't be held responsible for something I having done and now it may remain on my report for the next 7-10 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Dear CFPB, I continued to have issues with my mortgage servicer not apply payments made to my balance in a timely and appropriate manner. 

On XX/XX/XXXX I made a payment on my mortgage. My servicer, NewRez/Shellpoint/XXXX   etc says the payment was returned due to insufficient funds about ten days later. They notified me on XX/XX/XXXX that the payment was returned. I immediately contacted them with evidence that the payment was made on time : a receipt showing a successful bill pay confirmation and a redacted statement showing the balance taken out. 

On XX/XX/XXXX I was contacted by Shellpoint who said that the payment was returned due to insufficient funds. I explained that there were sufficient funds in the account and that there was no subsequent redeposit of the ACH. We contacted XXXX immediately and I authorized them to confirm these facts, which they did with the agent. The agent confirmed these facts and said she would research it. 

On XX/XX/XXXX no one had contacted me so I asked about the status of my complaint. The agent said I needed to submit confirmation that the balance was available and had not been redeposited. I submitted a full, unredacted statement to this effect despite my concerns about privacy and despite it being redundant with what the bank representative confirmed on the phone a week prior. 

The bank confirmed that there were sufficient funds and there was no returned ACH. This is in direct contradiction to the claim made by NewRez that the ACH was returned due to insufficient funds. We both can not be right. I am right, there was more than 50x the balance due in that account at the time of the transaction. The ACH was never returned to my account. This was confirmed by the bank directly with the agent and via direct documentation. NewRez contends that they asked for this documentary evidence prior to today but I was assured on the phone that submitting a redacted statement would be sufficient early in XX/XX/XXXX, was not asked for it in subsequent phone calls, and only asked for it today ( XX/XX/XXXX ). 

This is not the first time NewRez has failed to apply funds in a timely manner and charged me fees. This is the first time it has taken a half dozen phone calls and more than a month without a resolution. 

I have been more than responsive to their request for information and been assured at every step that the information I had provided was sufficient. They take weeks to respond only to request information that has already been provided.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
The Capital One credit card debt was discharged in Chapter XXXX filed on XX/XX/2019. After the discharge, Capital One Bank sold the debt to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX with a reply that the debt was discharged in Chapter. XXXX XXXX XXXX calls daily more than three times per day regarding collecting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Original mortgage was taken out ( interest was 6.4 % ) in XX/XX/XXXX for 30 years fixed term. In XX/XX/XXXX while I was on XXXX, the bank modified the mortgage. The term was extended to 40 years with interest rate of 3.4 %. The lender included a new mortgage clause ... ( adjustable interest rate after 5 years. ) I protested against this clause. The lender assured me verbally that as interest rate will be lower after 5 years, it is in my interest to accept adjustable rate. As they have undue advantage and my health was bad, I have to accept whatever they verbally said. After 5 years, they increased my rate to 6.4 % again, and then sold my mortgage to a new Corporation. I tried to deal with the new company, but they refused to modify my mortgage on the basis that my income is too low. Although, my income is slightly more than what was in XX/XX/XXXX. They did modify with same income i XX/XX/XXXX but refuse to do it again in XX/XX/XXXX. After that my mortgage was sold back to original lender. I again approach to the original lender but they refuse to modify my mortgage as my income was too low. ( But they did modify inXX/XX/XXXX with the same income. ) The process they adopted in XX/XX/XXXX, should be followed up after XX/XX/XXXX.b but they refused it saying my income is too low. My Federal income is just under {$1200.00} per month, out of this amount approx. 2/3 goes in mortgage payment. The mortgage payments contains almost all INTEREST earned by the Bank. It is very unfair. Government help is taken away from me by charging me sky high interest by the Bank.

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My collections were deleted through the credit consumers but does not show on my credit report through the credit bureaus. These actions of debt removals were taken in the month of XX/XX/2019. and the action that was taken was collections being disputed and then deleted, I have documents to show.

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 2019-10-19 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: NY

Complaint narrative:
XX/XX/XXXX Received notice that a hard credit inquiry was attempted on my credit by XXXX XXXX. I reached out based on the information given to me, From XXXX XXXX Type Miscellaneous Contact XXXX XXXX XXXX XXXX, TX XXXX United States XXXX No one answers the phone.

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 2019-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
Diversified adjustment services calls me from a new number all the time after I block them. I answer the phone and have explained that Im at hard times right now and my priorities are feeding my kids. They always follow with how I always say that and those are just excuses and that I need to be a responsible mother and pay my phone bill debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
5-6 calls per day on average. 
On XX/XX/19 at roughly XXXX XXXX, I received 3 calls in rapid succession. Frequently does not leave voicemail.

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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: CO

Complaint narrative:
Guaranteed Rate Inc consistently applies payments to my mortgage account incorrectly. GRI has been servicing my loan for 16 months of the 26 total payments I have made, 16 not correctly applied to my account. All the misapplication errors are in favor of GRI, if not caught these errors would cause me to pay more money than required. I made the most recent payment not correctly applied on XX/XX/XXXX ; a curtailment payment in the amount of {$2200.00}. GRI applied {$690.00} to my XX/XX/XXXX scheduled payments and {$1500.00} to curtailment Notify GRI of these errors thru RESPA NOTICE OF ERRORS address results in more payment errors. The most recent example is a letter sent by GRI dated XX/XX/XXXX. In this RESPA response letter GRI listed several payment reversal and payment applications, however the response letter resulted in additional errors. A curtailment payment made on XX/XX/XXXX that misapplied as my XX/XX/XXXX scheduled payment was reversed and never reapplied as a curtailment payment. 

Notifying GRI of payment errors results in erroneous fees. In a RESPA NOTICE of ERRORS response letter dated XX/XX/XXXX, XXXX claims that a Bad CHECK payment on XX/XX/XXXX and charged me a fee of {$20.00} and also claims a Bad CHECK on XX/XX/XXXX and charged me another {$20.00} fee. GRI received no BAD CHECKS. 

GRI consistently sends me monthly Mortgage Statements that do not accurately reflect my mortgage account activity. Most statements show payment amounts as XXXX, making it impossible to know what is going on with my account with all the payment misapplications reversals. 

GRI must be attempting to trick me into paying more money than required. GRI is secure in knowing that I can't choose a different servicer and therefor is not too interested in servicing my mortgage correctly. A XXXX child could do a better job.

Company response to consumer: Closed with explanation