vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$9300.00}, {$12000.00}, {$18000.00}, {$28000.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9300.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$12000.00} -This is not my account. 


-- AUTO ACCOUNT -- 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- PERSONAL ACCOUNTS -- 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Nationwide Recovery is attempting to collect {$1200.00} from me regarding a workers compensation claim that occurred in 2012. They have reported this debt to all three credit bureaus and this is not correct. I incurred the medical expenses as a result of a work injury, the hospital refused my insurance information due to the nature of my accident. My employer at the time XXXX XXXX XXXX  XXXX XXXX  of XXXX, TX has since gone out of business without handling the medical bills in relation to my work injury while working with them. I have not received any notification of this bill prior to receiving a threatening phone call from Nationwide Recovery demanding payment. These expenses were incurred nearly 8 years ago and no attempts have been made this entire time to collect from me so I thought it was resolved by my employer as it should be. I dont have any documentation regarding this claim as I have never received any documentation from this company and I dont have hospital bills or records from 8 years ago. I am not liable for this debt, my old employer is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XX/XX/2019 the mortgage on the home owned by both my wife and I was transferred fro XXXX to New Rez also trading as Shellpoint mortgage services LLC. The house is in both our names and the mortgage is paid by each of us paying a portion through our individual bank accounts. We have never had part or all of the mortgage past due let alone close to the expiration of the grace period. Every month The mortgage company applies all or part of our payment to principle only or unapplied funds and sends notice that we are late on our payment. Unfortunately I didn't keep all mortgage statements but have enough to prove our claims of payments being categorized as over due when they are not! I am providing copies of both our bank statements to collaborate this claim.They have charged us late fees and withdrawn them from payments without permission. I have recieved and included 2 letters threatening to report us to the credit bureaus. Our bank statements should no doubt prove we were never late or short ( underpaid ) and this problem stems completely from the company 's inability to apply the two payments properly. When trying to resolve this I have been told that their computer system can't process partial payments. My response to this as I have and continue to believe that this is NOT OUR PROBLEM!!! On every statement there is a message that partial payments are held until the balance is paid, but in all cases this has turned out to be false as both parts of our payment are in their possession before the due date and even recorded on their own statement. I woul d like New Rez to stop applying our payment to principle and or unapplied funds, STOP THREATENING US.< and remove all late charges and other fees that we do not nor have ever owed. I would also like a copy of both my and my wife 's credit report from all credit agencies to prove that all false reports were either never reported or removed. In addition I would like corrected mortgage statements that don't show late charges and other fees. The account # of the mortgage is XXXX. The House is in the Name of XXXX XXXX XXXX and XXXX XXXX and the address is XXXX XXXX XXXX XXXX Maryland XXXX. I would also like to point out that unless it is unlawful to pay our mortgage from 2 accounts we will continue to due so! Both accounts are in the names of the two people listed as the owners. Thank You

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
When I restarted school this semester, I submitted an in school deferment. I started receiving emails after the loan was 30 days late. I again submitted a deferment as instructed by their form. My loan is currently showing as over 60 days late as my deferment has not been processed still. I have a history of being unable to reach anyone at Navient because of excessive hold times when placing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian ( XXXX ) XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX/XXXX XXXX XX/XX/XXXX. XXXX   XX/XX/XXXX. I have called many times to dispute

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 2020-02-23 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: ERC
State: NV

Complaint narrative:
Enhanced Recovery Services is engaging in illegal re-aging practices by re-opening an old account from over 4 years ago. This company also refused to provide documentation showing the accuracy of the open account dates. This illegal act has caused my credit to drop tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Ok, so i put in my complaint regarding Comenity Bank 's predatory late fees and interest charges. I was hoping they would remove the SECOND round of late fee and interest they've charged me. They did not. They replied to the complaint XX/XX/XXXX. Not happy with that but I just wanted them out of my life so I created a login and paid the stinking bill online on XX/XX/XXXX. Now, here 's where it gets interesting. The due date for the amount in question was XX/XX/XXXX. I paid it AFTER the complaint was resolved. Now they are charging yet ANOTHER late fee! These people are unbelievable!!!! This amount was under dispute so the account should have been put on hold UNTIL THIS COMPANY had resolved my complaint and SHOULD NOT BE CHARGING YET MORE EXTORTION!!! I can't believe the gall of Comenity Bank!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23 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: CA

Complaint narrative:
To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4000.00}, {$500.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiate
d on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

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 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I fully expected to receive a heavily advertised {$250.00} sign-up bonus from American Express when I signed up for their blue cash preferred credit card. I never received it. American Express has explained that because I canceled other credit cards that I was not entitled to the bonus, and importantly, that this was communicated to me through a pop-up window. I do not recall ever seeing this pop-up window. And as we are all aware, pop-up windows are often advertisements so I may or may not have clicked that window closed without knowing what it said. The application page itself did not clearly state anywhere that I would forfeit the sign-up bonus, hence my expectation in signing up for their card, and in being charged {$95.00} upon receiving the card, was that I would receive that bonus. Please investigate American Express for ambiguous promotions for their products. At worst, this has/is happening to many other people, as American Express seems to have non-transparent points calculation and sign-up bonus practices that lead me to question their ethics. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Avant Credit Corporation
State: RI

Complaint narrative:
Avan credit card I ipplied was denied right on the spot I have other credit cards XXXX   XXXX XXXX  XXXX XXXX XXXX and avant- just denied me their service for not reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is related to Complaint XXXX, which I closed because Pay Pal Credit ( Synchony Bank ) promised to rectify the problem but failed to do so. 

The fraudulent account they opened in my name without my knowledge or consent is still open with a fraudulent balance they are billing me for.

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 2020-02-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
OPTION ARM LOAN faxed in paperwork sent before sale asking for more faxed and emailed still nothing?????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
XX/XX/2019, a check was cashed by the mortgage company I was then charged a late fee stating the check was not received, was informed they put it a holding account. The next month I sent two checks one for the payment and an additional one with instructions to apply to the holding account to have those funds taken out of hostage. On the back of both checks and on statement the were informed on what was to be done. They cashed the checks but did not follow instructions and continue to hold my money hostage. I refuse to send additional funds to remove my hostage account because they do not follow instructions. My payment has been made several times and they won't apply it to the account and continue to charge a late fee, when it was NEVER late. Also, not being told I've been called, I DO NOT have to answer calls I do NOT recognize the number Of!!!!!!!!!

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 2020-02-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Balance reduction letter sent no BALANCE REDUCTION WAS DONE SEE LETTER was standard modification keep sending! have paperwork for state and federal court to file trying to avoid! ( and modifcation was sent more than once_

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MD

Complaint narrative:
My loan was transferred to Flagstar Bank on XX/XX/XXXX from XXXX XXXX XXXX. Flagstar increased my payment from {$3300.00} to {$3400.00} and/or approximately {$95.00} increase for insurance which is incorrect because it is covered through PMI via XXXX. I also requested my 1099 mortgage interest statement for FY 2019 and I have yet to receive it. I am requesting that they restore my mortgage payment to {$3300.00} and credit my account approximately {$180.00} or send me a check.

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 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reached out to capital one. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90, should it not reflect this amount based on the Fair credit reporting act?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I lost my job in XXXX and i did the best i could to keep making payments but i ran out of savings, 401k and income tax and i called to ask if they would close my account so i would keep puling up the interest so i could repay them back and they said NO, that it wasnt fair to " all the other borrowers '' which i asked them if all they other borrowers had lost their jobs and was over 60 years old having a hard time finding another job. I have tried paying what i can and they csll me all day long on different numbets but will not work with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I received email from Capital one on XX/XX/XXXX that I can get 0 % promotional APR on purchases till XX/XX/XXXX. I accepted the offer. Now Capital one charged interest and saying I didn't accept the offer. Capital one does this to other customer as well. One of my friend also report this. They tweak their system so acceptance is offer is null after some time. They don't let customer know about transaction as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I reached out to XXXX  XXXX. Upon their review they acknowledged receiving about {$11000.00} in payment from XXXX. However, they continue to show this account as open charge off. This account was an accepted payment due to the vehicle being worth only {$12000.00} at the time it was totaled. The company continue to report incorrect information. If an account was paid off over 90,  should it not reflect this amount based on the Fair credit reporting act?

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 2020-02-23 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: TX

Complaint narrative:
To whom it may concern, I attended XXXX college from XXXX-XXXX  and I was under the impression that 4 of my school loans would not accumulate any interest which was not true. I was approved for 5 loans in total while in college due to hardship, but each one those loans has accumulated a high interest rate. In fact, one of the loans that I was approved for back in college was {$2500.00}, but now Im having to pay ( Navient ) {$2000.00} in interest which is insane. Im a part/time worker as of right now and I remember explaining this situation to ( Navient ) on last year, and they didnt seem to care about it. How can I be charged so much in interest, and I barely gross {$10000.00} yearly. In my opinion, something should be done about this problem because I live on a fix income and Ill never be able to pay off this debit anytime soon if ( Navient ) cant find away to help me. I also signed up for their Income Driven Plan back in XXXX  but the interest is steady rising each day seem like it. Can someone help me? Is there anything I can do to have the interest lower? I really need help with situation right now! Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE SENT XX/XX/20 30 DAY DEMAND TO COMPLY SENT XX/XX/20

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I used Citibank mobile app to transfer {$300.00} from my checking account to my credit card account. After I tried to complete the transaction the system said they were having technical issues and to try again. After 2 attempts I checked and all 3 went thru. I immediately called the bank and they told me I could get the money transferred back in 5 business days after it posts. Their mobile app is a joke. You can't cancel future transfers or reverse their errors. This is the 2nd time this has happened to me.

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