vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24 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: TX

Complaint narrative:
To CFPB, I have tried many times to get Equifax to correct inaccurate information on my report, as you know I suffer from XXXX  and have been in and out of the hospital many times and i have notice that over the last 60 days my credit score went from XXXX down to XXXX yet there has been no adverse things going on in my financial situation and any one knows that a persons score does not just go down that many points for no reason you know it and I know it. I think its time to re investigate Equifax for law breaking practices as they have done similar things like this in the past to try to sell the consumer products regarding their credit score, I don't have time or the health right not to continue to deal with this therefore, I ask you to do an investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
Hello, I have requested my mortgage loan servicer Loancare, for mortgage loan number XXXX, provide me the Mortgage Insurance Premium ( MIP ) deletion guidelines and requirements. I submitted my request through their online website and have had no response in the last three months. I know it is law that they at least acknowledge the receipt of my inquiry within a few days and they failed to do that as well. This simple request is being outright ignored by my servicer. By refusing to provide me these guidelines or rules, they are knowingly avoiding my request so they can continue to collect the premiums. Let me add that their website does not have an inbox anywhere. They have my correct email address on file and still have not sent a response. Please help!

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I checked my credit report on XXXX XXXX and I noticed an inquiry from XXXX which I don't have an account with them. I called the company and after verifying my information they said that it's truth that I don't have an account with them. They told me to report this online to consumer finance so they can remove it from my credit reports.

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 2018-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/2018 I attempted multiple times to make a payment online on my XXXX XXXX  ( issued by XXXX XXXX   ). The date field of the payment was blank with no ability to select a date or type in a date for the payment. I tried multiple browsers including XXXX XXXX XXXX XXXX and XXXX. All had the same issue.

I suspect the date field is blank because my account hasn't cycled yet, indicating the bank is intentionally preventing me from making an " early '' payment on my account, which, of course, is illegal.

The chat feature was not available, email was not available and I was told that I couldn't make a payment by phone from my attached PayPal account ( the way I've always done in the past ). I finally had to make the payment by phone from my checking account, forcing me to reveal my bank 's routing number and account number to a customer service representative.

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 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
on XX/XX/ i received a collection letter from wilber and associates claiming i owed {$28000.00} not knowing what this was about i called the agency and they explained that they are attempting to collect money paid out by an insurance agency due to flood damage and stated that i stole copper plumbing and flooded a home that i recently moved out of. i at that point explained that i absolutely had nothing to do with any type of theft or damaging and at that point the female collector became very loud and aggressive i at that point told her to cease and desist my telephone number and hung up. onXX/XX/XXXX i received a phone call from wilber and associates yet again and it was the same collector. i stated we had already discussed this matter and it was false claims and to once again cease and desist my telephone number and hung up. on XX/XX/ i received yet another call from wilber and associates this time it was a male collector i advised him that i had already spoken to his office twice now and that the claim was false he at that point became extremely aggressive and threatening me that i am going to pay this and take responsibility. i advised him that i had previously on a recorded line asked for this agency to cease and desist and that i am telling him this as well he in reply said he will call me every single day.

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 2018-04-24 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: NY

Complaint narrative:
Attempted to initiate an online billing dispute with Citibank Sears Mastercard for a purchase datedXX/XX/XXXX, {$48.00}, merchant XXXX XXXX. Instead, of starting the dispute process, the bank initiated a letter dated XX/XX/XXXX, claiming that they can't process the dispute claiming " services were provided ''. In fact, this was not processed correctly, as I have disputed food purchases in the past with other major banks and the billing dispute was processed. Rather, the individual who processed this dispute was not versed/trained in processing billing disputes adhering to Federal Billing Dispute Guidelines.

Reason for Dispute : Received food delivery of stale/improperly prepared food that could not be consumed, attempted to immediately, rectify matter with merchant by calling and speaking to XXXX, who in turn put me on hold and than disconnected me.

***This is no way to treat a customer since XX/XX/XXXX who has had slim to none in the way of billing disputes***

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 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: South Carolina Student Loan Corp
State: SC

Complaint narrative:
I have 6 CLOSED PAID OFF loans from South Carolina Student Loans that I filed a dispute with to remove from my credit report. The date for all 6 close is XX/XX/2013. There is a {$0.00} balance and I was told they would all be COMPLETELY REMOVED after I faxed payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX company has sent an account for collections to XXXX XXXX, a debt collection agency. I have been trying to explain to Convergent that I HIGHLY disagree with the charges as XXXX is making false statements about the nature of the debt. This situation is deeply troubling because I have been in escrow for my first home and they are about to cause me great financial harm by jeopardizing my loan prequalification. I will not hesitate to hold them responsible for any financial damages incurred due to this situation. 

Since I am in escrow, I am also cornered into settling this account post haste without having adequate time to dispute this account and " fight it out '' with XXXX. I have been trying to come to a resolution with Convergent that would resolve this account and remove the account from my credit report. They keep regurgitating that they do not " pay for delete '' which is NOT what I am requesting. Since it seems they only read from pre define scripts they are not able to address my concerns appropriately. This is deeply troubling, my stress level is through the roof and I need assistance from somebody regarding this unfortunate situation that is occurring.

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 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit Acceptance Corp. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. A number of fraudulent tradelines, fraudulent/false personal information, as well as fraudulent inquiries were added to my Equifax credit file. I have made several attempts to resolve this matter with the creditors, as well as with Equifax. Equifax has been complicit with facilitating this fraud, as they repeatedly denied me the opportunity to dispute the fraudulent activity directly through Equifax. Equifax has repeatedly, and routinely updated my credit file with false information. I have complied several times with Equifax 's request to forward a copy of the police report detailing the identity theft that I experienced. I have also complied with responding to several requests by Equifax to verify my identity. I received another letter from Equifax on today that was dated XX/XX/2018 again requesting that I verify my identity. I mailed to them the fourth copy of my driver 's license and social security card. Equifax is stating that my information does not match what they have on file. My response has always been that ; " that should prove that these fraudulent accounts do not belong to me. '' How is Equifax verifying, and updating my credit file without accurate information. Lastly, after contacting Equifax again on today ; I was told that Equifax will not investigate the fraudulent accounts, or fraudulent inquiries listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Due to Equifax 's mishandling of my credit information, I placed a freeze on my Equifax credit report. At that time I was provided a pin to manage my credit report. THE PIN DOESNT WORK and I am faced with the prospect of wasting more of my time and energy correcting a problem initially created by Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I was unable to make payments on my student loan due to financial problems. I contacted sallie mae/navient in 2016 to see what my options were. I had heard of income based repayment options and possible refinancing. Sallie mae/navient told me i would not qualify for refinancing and told me my best option was forbearance. They pushed me hard to get me to forbear my loans, which i did. I feel i was lied to about my options, and on top of that was given 5 % late fees whenever i missed a payment. I feel these are predatory actions and sallie mae/navient needs to be punished for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ID Analytics, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting extremely low credit scores to XXXX XXXX during car loan application process, in order to allow XXXX XXXX to increase interest rates or having your application denied. 

The discrepancy in credit score between XXXX XXXX and the 3 other credit bureaus is over 300 points lower than the other 3. 

Please stop them from accessing consumer information and formulating scores that hurt people 's borrowing potential.

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 2018-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I purchased a brand new XX/XX/XXXXXXXX XXXX in XX/XX/XXXX. I never had any issues with the vehicle until XX/XX/XXXX of XX/XX/XXXX. While driving to the store my check engine light came on and my engine seized. I brought my car to XXXX XXXX XXXX XXXX to attempt to have the engine covered under my warranty. The service department notified me that it would be covered and my engine would be replaced. At that time I was delighted and glad to have a XXXX product. As the weeks went on, it came to my knowledge that XXXX engines were currently being recalled worldwide for metal in the engine. This sparked millions of people to be bringing their cars in for repair. The engines were coming from XXXX XXXX and due to be shipped. Each week I would call and check on my engine status. Each week I was told a later date until I discovered that the workers in XXXX XXXX were currently on-strike with no return to work date. Any engines would be on backorder until further notice. I was instructed by XXXX that I could rent a car and be reimbursed for the rental fees 90 days after I received my car back which still had no set date. There was no loaner car or way for XXXX to rent me a car in the meantime. I pay a high car payment and can not afford to pay weekly for an undetermined amount of time for a rental car. I also attempted to have my payments lowered or deferred while I was waiting for my engine. Neither of these were options according to XXXX XXXX XXXX. I was offered a two month payment defferment but those payments would be added to the end of my loan term. 

Today, four months without a car and still no eta for the engine, I attempted to trade my car into XXXX and buy another XXXX. This was my absolute last resort as I have no vehicle and am close to losing my job. I was told there was no way they could finance a new car to me due to my credit rating. I was also told once again to get a credit card and charge my rental fees to it. This is not a realistic option. My hands are completely tied with XXXX and they are leaving me no choice but to default on my loan due to not having a vehicle. My car will have to be repossessed and I will not only live with that on my credit report but will still have to pay for the vehicle. I also now need to find a way to purchase another vehicle. 

I have spoke to XXXX XXXX XXXX, XXXX Consumer Affairs, XXXX XXXX XXXX XXXX Sales and XXXX XXXX XXXX XXXX XXXX. I call almost daily and am constantly told there is nothing they can do to assist me in anyway. They have left me without a vehicle and an impending repossession due to no fault of my own. I wish I could continue making my payments but it will not be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Dear Sir / Madam, I got a home loan from CALIBER HomeLoans on XX/XX/XXXX, due to some credit problems I got an interest rate of 6.5 % on a jumbo loan. 
Soon after I got the loan, I lost my job and got another low paying job, but never got late in making a mortgage payment. 
In XX/XX/XXXX, I approached CALIBER citing job loss and requesting relief as I could foresee trouble making payments in 3 months not then. CALIBER told me to stop making payments until the loan was modified. It took them 2 months to modify the loan and now forced me to be delinquent by 30 days on my payment, thus adding additional fees and hurting my credit score. I called them multiple times to ask them in XX/XX/XXXXand XX/XX/XXXXrequesting the amount due and the due date, but I never got an answer from them and they just asked me to wait. 
They finally switched me to an INTEREST ONLY loan at 6.125 % in XX/XX/XXXX. Since then I have been paying the interest only loan on time every month. 
IN mid XX/XX/XXXX, I called up CALIBER again to see if they can help me lower my interest rate as my credit score has become really good over the last year. They asked me to refinance, but I informed them that I am recently self employed and do not have income verification, but I have always been making my mortgage payments on time. So they suggested that I default on a payment and try for loan modification. They said that there is no other way. 

I find this incidence and advice weird, they are penalizing me now for being good citizen who wants to make all the payments on time. They are penalizing me with such high interest rate when all the payments have been made on time. 

My argument is that the risk for CALIBER is higher if the payment and interest rate is higher an it would be lower if they reduced my interest rate, as it would be easier for me to pay a lower amount. I am without a job and self employed in both cases, high interest and low interest rate. So why is CALIBER wanting to gouge me when I have made payments on time. 

Look forward to hearing back from you. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
On XX/XX/XXXX Nationstar approved the hurricane Irma Forbearance Plan beginning XX/XX/XXXX due to the damage of hurricane Irma that impacted our area. They sent me a letter approving the Forbearance 6 months which lowered my payments. I received the letter approve the Forbearance on XX/XX/XXXX and another approval letter on XX/XX/XXXX I received a phone call from Nationstar end of XX/XX/XXXX that I was no longer approved for the Forbearance and that I would have to send them a check {$16000.00} they said I missed a payment in XX/XX/XXXX they had approved the payment to be put on the back of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: MO

Complaint narrative:
Recorded message from phone number XXXX saying that this is last time they are going to try and contact me and legal action will be taken against me. in the recorded message it tells me where to go to make a payment with the debt validation or information regarding original creditor. Calls at least once a day while I am at work and they are unable to prove anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Im a first time home buyer in which I closed on my property on XX/XX/2017. My mortage lender is XXXX XXXX XXXX XXXX. Before I closed on my property my loan officer had assured me that my loan payments will be XXXX a month. After I closed on my property 4 month later the same company raised my mortgage to XXXX a month. Before closing I had made it clear that I will not be able to afford a mortgage above 2000. I also emphasized that if my payment will be above 2000 that I will not close on the property. I contacted them about the issue and they claim that they did not have any information about the property to get an exact property tax value and thats why my payment had increased so m much. I believe that they were aware of the going tax rate in my county at the time but didn't include the correct tax rate at the moment just to satisfy my demand of not paying a mortgage payment of over 2000 a month just to get me to close on the property. I feel I've been taken advantage of for my lack of knowledge on home buying and demand for them to honor the original mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation