vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX FL, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2016 I placed a security freeze with Equifax, XXXX and XXXX. After the security freeze Equifax sent me a confirmation letter with the required PIN number. When I was trying to apply for a credit card and called them to lift it, they told me that there was no security freeze on my account, and that the name on the account was not my legal name. Given that my information was already compromised by a stolen wallet and on-going criminal investigation for financial identity theft I contacted them to change the legal name and place an additional security freeze. They requested a copy of my driver 's license and social security card which I faxed over. After about 2 weeks I received a confirmation that stated the name change was complete, but the changed name was incorrect and thus did not reflect the name provided on the documents. Moreover, on the same date I placed an initial fraud alert, and got a letter confirming it, they also later denied the placement of the fraud alert even though it is visible in the other credit bureaus and I received a confirmation letter. They still have n't gotten back to me about the additional security freeze and fraud alert and whether my information was accessible during the time in which I thought I had a security freeze. By providing the police reports I was able to place an extended 7 year fraud alert with XXXX and XXXX, but there still is no confirmation letter from Equifax. They are unhelpful about providing me information unless I buy their products, and when I try to I ca n't buy it. So far none of these issues have been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have called to get the inquiries that are not mine removed. I also sent certified letters in XX/XX/XXXX and have not received a response within the 30 day period. Equifax will not remove these unauthorized inquires and keep sending very general information on my request. I need these inquiries removed as they are hindering me from receiving credit for things I actually want to apply for. 
XXXX XXXX & XXXX XXXX, XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX XXXX, XXXX XXXX XXXX XXXX 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I reached out to Equifax regarding fraudulent/unauthorized inquiries on my account. I was told to contact the creditors listed which I did but they were unable to help me since they either no longer had the information, or redirected to me to contact Equifax again. Today, XX/XX/XXXX, when I reached out the agent told me to get the inquiries removed I needed to file a complaint and fax it over so they could get this inquiries removed from my credit report. Below I have listed the names and dates on the fraudulent inquiries : XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX & XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America, has engaged in deceptive and unfair practices in connection with my checking account. BOA, has excessively charged the account overdraft fees causing me hardship. The account overdraft fees are so excessive that i could not pay my creditors due to boa excessive overdraft fees imposed to the account. 

On XX/XX/2017, I was overdrawn by {$1.00} and escalated to {$410.00} in overdraft fess alone. 
If you carefully review the statement, you will find that boa never paid any of this items, instead continue to charge the account overdraft fees since XX/XX/2017, when initially was overdrawn {$1.00}. None of the charges have to do with a check i wrote to anyone, all fees are related to the excessive overcharge. Creditors have been trying to collect and morally i have these funds available, however because the account has been over charge with excessive fees, the funds available to pay my utilities would be comprised by the excessive fees where soon my light company will be terminating my services. 

Boa, has violated Federal Law prohibiting the excessive overcharge fess to the account. I did made the account to be overdrawn in bad faith, the record reveals, that the dispute started over been over drawn {$1.00}. The account was overcharged to the point that did not have enough to pay the {$170.00} and the over charge fees. 

I disputed with boa that was going to file complaint with the CFPB, after that conversation, it appears that they may have lower some of the fees. However the account continues to be excessive overcharged with fees. Boa has cause me hardship and bad standing with my utilities companies. Some of the crediors have suspected my account due to boa overdraft fees. I was subscripted to on line services where the cost monthly are lest than {$10.00} and not even that was able to pay because of boa. These are websites that i use to work and are not able to have access. This situation affecting my wages.

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 2016-03-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ALCHRO INC.
State: FL

Complaint narrative:
Unknown account listed against my personal credit file, validation was requested and also a dispute was filed. Please help assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ DATA INTERNATIONAL IN and XXXX XXXX is reporting negatively on my credit report even though the account was charged off and written off on the companies taxes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: NJ

Complaint narrative:
Stearns Lending over paid our 2016 taxes by over {$10000.00}. They then increased our monthly payments {$1500.00} a month and continue to overpay our taxes. This is causing hardship for our family. I have been calling them for three months and ca n't get this resolved. We do n't know what to do as no one seems to be able to resolve the issue. Our only option would be to refinance - in this market we would get unfavorable rates. It 's unbelievable to us that this can happen!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have an open complaint against Nationstar Mortgage. My CN is XXXX. I would like to file an additional complaint against Nationstar for violating my privacy rights, subjecting me to potential identity theft, harassment and fraud. Per Nationstar I am in default on my mortgage. I have disputed this situation with them, and they are reviewing my concerns and have directed me to contact one of their " dedicated loan '' specialist for assistance and or if I have questions. I have contacted this person, a XXXX XXXX on several occasions, faxed him information, called him and requested return calls, and sent a payment to him via XXXX Mail with a statement disputing their, all to no avail. Each time I call he never answers my calls, and never calls back requested. However, they Nationstar sent someone to my home, Saturday, XXXX XXXX to talk to me and leave a note on my door and tell me they wanted me to call Nationstar? I called them Monday, XXXX XXXX and told them I would send them I would send them my " arrears '' Wednesday, and they said they would note my account to that effect. Later the same day, I received a letter from a person in New Mexico with the check I sent Nationstar ealier this month informing me that he did n't understand why Nationstar had sent him my mortgage check? In addition to his letter I also recieved a mortgage statement from Nationstar that listed my arrears, plus it also reflected that my payment for the month of XXXX was outstanding, so I was being charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
Original Mortgage company is NATIONSTAR, ( XXXX, TX XXXX ). Mortgage rate of 30 year term beginning in XX/XX/2006 was 7.0 %. We applied for and received a home equity loan from XXXX at a significantly lower interest rate to pay off the original mortgage. The request for the payoff amount was made by us to NATIONSTAR by telephone conversation. This payoff amount was not detailed by telephone but mailed to us several days later. We closed on the loan on XX/XX/XXXX and a cashier 's check was mailed overnight by XXXX to the address that Nationstar provided. 
A mortgage statement arrived by mail on XX/XX/XXXX detailing a delinquent payment for XX/XX/XXXX, penalty charges and due XX/XX/XXXX payment. A phone conversation with Nationstar on XX/XX/XXXX ultimately revealed that they did receive a check but had not processed it because it was not in the appropriate amount of the payoff. 
When asked about any attempts to contact us in the interim, their reply was unintelligible to us. During this period we had noticed a definite stepped-up bombardment of invitations to refinance with them by email, US mail and special delivery. No successful contact was made until the mortgage statement. 
We paid the penalty and the XX/XX/XXXX mortgage payment while we tried to ascertain the disposition of the cashier 's check. Nationstar claims to have returned it to the XXXX. 
Alas, we 've been sent an image of the cashier 's check that WAS presented for payment by Nationstar. Nationstar processed our check for XXXX XXXX dollars on XX/XX/XXXX and our account has yet to be credited!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX for two years in the late XX/XX/XXXX, incurring a student-loan debt of over {$13000.00}. I began paying the loan back almost immediately, through monthly payments to ( at that time ) XXXX XXXX. In the early XX/XX/XXXX, when my wife became XXXX and stayed home to raise our daughter, I deferred the loan. At that time I believe my remaining loan balance was around {$9000.00}. Upon resuming loan payments much later, I discovered that my new loan balance was now over {$12000.00} ( almost back to the original amount ). Still I kept paying ... Since XX/XX/XXXX I have been making payments through Navient, and have paid them around {$4200.00}, with a still-remaining balance of {$4100.00}. I 've requested a complete payment history of my loan since it was first incurred, but Navient can only provide me with data since they acquired my loan. I know for a fact that I 've paid back the original {$13000.00} amount through payments all these years, but ca n't confirm anything without a complete history, which no one can provide. I currently have no job and can no longer afford to pay, and much worse, I ca n't afford NOT to pay, lest my balance balloons right back to where I started. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
On XX/XX/2017, this debt for { {$100.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please do n't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Essential Retrieval Group
State: ID

Complaint narrative:
Received call from XXXX XXXX at XXXX saying I was suppose to call XXXX. She could n't tell me why and did n't even know the name of the company she was working for. I called the XXXX and it was with a lady named XXXX XXXX saying she was from XXXX XXXX XXXX and said I owed XXXX Financial a debt. I asked her to send me the paperwork and she said she would but I have yet to receive it. I asked her if her company had a website and she said no. I said your company does n't have a website and I thought that was strange. I told her not to call me at work anymore!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jeffcapsys shows a collection debt on my report for {$1200.00} dated XX/XX/2016. Unless proof can be shown and validated, this debt does not belong to me. I only use prepaid wireless phone services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. 
There was not money left in the account because they charged a inactivity fee. 
I was never notified of this and they could not produce any evidence that they tried to contact 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 monetary relief
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On XXXX out of my XXXX student loans with navient I made a lump sum payment to pay off the entire loan. I was able to settle of approximately {$5000.00} less than what I owed but paid in full. The amount that I paid was still more than the original loan taken out due to high interest rates. During the settlement navient stated that this would show paid in full on my credit report and not hurt my credit score. I have never missed a payment and all other accounts are in good standing. But this shows as a potentially negative item because is states paid in settlement and in the comments states paid in full for less than full balance. They added the less than full balance which is causing the negative item. Because of this I have been denied for a couple of things including XXXX who I am trying to consolidate my loans with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
21 % interest rate. Stating a loan in the past was not paid which is incorrect. The loan in the past was paid in full within the first month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Round Two Recovery
State: MD

Complaint narrative:
I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have XXXX accounts with XXXX with account numbers XXXX and XXXX. These accounts are closed and have a {$0.00} balance. They were both included in a chapter XXXX bankruptcy that was filed on XX/XX/2011, with reference number XXXX. Both accounts have a negative mark as '' failure to pay '' in XX/XX/2011. Under The Fair Credit Reporting Act, these accounts should not have any negative marks from the date of the filing date of the chapter XXXX bankruptcy.

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 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Sent a certified letter to Experian asking for documents they used to verify that this account was correct and mine. Received credit report that just stated verified with no supporting documentations. Spoke to rep over phone and was told that they do n't have to provide me with anything.

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