vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
Dear Sirs, I use my XXXX checking Bill Pay service to automatically pay my monthly bills. When you bought my mortage from PHH there had never been any problem with on time payments. Several months after you acquired my mortage I received a notice that I was overdue on my payment. I immediately contacted my bank and they had sent the check for {$1100.00} on XX/XX/18 but it had never been cashed. I was told it was never received by someone at Loan Care. I had my bank stop payment on the check and also immediately issue a check ( or credit card ) for {$2100.00} on XX/XX/18 to bring my account current. They also sent you a check for my regular payment of {$1100.00} on XX/XX/18. The person I talked to at Loan Care said they would remove the late fee since you lost the check. Someone " found '' the check and attempted to cash it. 

On XX/XX/18 I was sent a letter stating I had a {$25.00} fee because of a returned check from my bank. This was the check you claimed you had never received that I stopped payment on because you claimed it was " lost '' and in spite of the fact I had made a double payment and my account was current. 

I talked with XXXX ( XXXX ) about my complaint and asked that the {$25.00} return check charge be removed. She said she had no authority to remove the charge. I asked that my mortage be transferred back to PHH. She said that could not be done and that I was required to write this letter to you. I am very unhappy with your company and your lack of professionalism. Mine is a VA loan and I will be filing a complaint with the VA. Please remove the {$25.00} return fee and have my mortage transferred back to PHH. 

overcharge on XXXX # # # # # # # XXXX Loan CareXXXX

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 2018-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: MI

Complaint narrative:
This is being filed after having a verbal conversation with Discover and realizing clarification may be needed to resolve this issue. More specifically, what I am disputing and what questions I am hoping for Discover to answer.

I previously filed a dispute concerning Discover lowering my credit limit from {$16000.00} to {$3300.00}, which directly caused my credit score to decline ( Most Credit scoring formulas use a credit to ratio or debt to credit available as approx. 30 % of the scoring ) As a direct result costing me thousands of dollars. Now Discover may claim I can simply pay off the remaining balance. However I can not control when that information would be updated on my credit file. This is only something Discover can control and it is very simple for Discover to deliberately time and possibly update mid-cycle to cause me more damages.

I am asking for Discover to provide me with the specific reasons for lowering my credit limit. Currently what Discover provided is a generalized statement which does NOT provide specifics.

I am asking for The credit bureau Discover used to make their decision I am also asking for the date Discover pulled my credit which provided the information used to lower my credit limit.

Discover uses their own internal formula when providing credit limits to applicants, I am requesting the table they use when establishing Credit Limits and I want Discover to know if they refuse to provide that information I will continue to request it through a FOIA and if that does not get me this information I will subpoena it. I need to rule out whether Discover acted fairly or in some way discriminated against me or possible retaliated against me due to complaints and lawsuits I have filed against other banks.

NOTE : I am aware as a matter of fact, of a platform Banks use to share information and retaliate against consumers. ( This information comes from a family member who has worked in the banking business for over 22 years and has the highest possible security clearance ) Without the requested information, it is impossible to determine if the information Discover used was accurate or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2011, the house that I owned was short sold ( agreed by the mortgage company ) to another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at XXXX about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that XXXX  advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both XXXX and Equifax that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of 2011, the house that I owned was short sold ( agreed by the mortgage company ) to  another couple. In this process, XXXX XXXX XXXX, who has become XXXX XXXX XXXX wrote a promissory note in the amount of {$15000.00}. At the time, I was convinced that this was the only option that I had due to the hardship that was being faced by my family. After the closing on the house, we were not able to make a payment to the promissory note. It has now been 6 years and 9 months. I have had multiple conversations with the team over at Experian about how this account is being report on my credit report. The agents themselves have told me that the information they are reporting does not make sense. 

The first item is that this is being reported as a mortgage, but I do not own property to have a mortgage against. This property was sold back in 2011 and can not be considered a mortgage or real estate loan. 

The second thing is that Experian advised that XXXX XXXX XXXX continues to change the status of the report to make it look like payments have been made on the account in order to reset the date that the account would fall off of my report. 

The third thing is that this is reporting as a mortgage loan that has not been paid on in almost seven ( 7 ) years. I do not know of any financial institution that would allow someone to live on real property in a master planned community that has not been paid on in this amount of time. This would have been a foreclosure years ago if this was a true mortgage. This is yet another instance showing that the account should have been closed years ago and should not continue to have changes in reporting to the credit bureaus to have this to unfairly continue to report negatively against me. 

I have reported to both Experian and XXXX  that I do not own any real property and therefore can not have an open mortgage account on my credit report. They have disputed this with XXXX XXXX XXXX, but they keep sending inaccurate information back to the credit bureaus of this being a mortgage account with no property attached, changing the status of the payments in order to have the credit reporting agencies to continue to report this account. 

This account is not being reported in accordance with the Fair Debt Collection Act and needs to immediately be removed 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 non-monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Good day, my name is XXXX XXXX and I am currently in XXXX XXXX United States XXXX. I'm writing regarding having my account with XXXX XXXX ( XXXX CC ) and not adhering my account to the Serviceember Civil Relief Act ( SCRA ). I originally entered into the XXXX XXXX XXXX on XX/XX/XXXX as a XXXX, then in XXXX, I switch to active for a few years. Then returned to a reserve status. I had sent in documentation of all this and explained and a detailed letter what exactly is a documentation they are looking at, where to find the dates and type of service Etc. I have been on the phone with them for several hours over the course of this time and to no avail. I feel that is illegal that they are not applying my account in to the SCRA because I had openes my account with them in XXXX when I was a reservist. As you most likely know, the SCRA states that any debt prior to active service must fall under the SCRA and offer a reduced interest rate to all debt Pride active service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX agreed to remove their account from my Credit Bureau reports. I discuss my account with XXXX several times in XXXX XXXXXXXX because of major discrepancies with 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 2018-03-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
This past XX/XX/2018 I refinance my home with Loan Depot with a VA guaranty loan. Loan Depot didn't wire the full amount of the payoff to the original mortgage holder. The wired {$130000.00} instead of the amount stated in the payoff statement from XXXX XXXX XXXX of {$130000.00}. Account Number XXXX XXXX XXXX XXXX are calling me to pay the {$610.00} because they added a late fee of {$56.00} they claim the payment is short and Loan Depot is saying that they already made the payment and that is on me to contact XXXX XXXX XXXX to credit my account. I have been talking to both entities since XX/XX/XXXX and neither one is willing to fix the issue. 

Now I have two outstanding mortgages {$130000.00} XXXX XXXX XXXX which is showing two months late since they haven't credited the account and the new loan for {$190000.00} to Loan Depot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XXXX we purchased a new 2017 Nissan XXXX XXXX and financed it with Nissan Motor Acceptance Corporation. 

When we were deciding on a vehicle, the salesperson informed us that the vehicle came with the Nissan Navigation System. The system is used in the vehicle for mapping as well as many online options through your smart phone. 

We tried to connect the system to use with our vehicle ( after purchase ), which included downloading the " application '' on the smartphone. 

I went to the Nissan website and referred to the instructions. The website also stated that this option is available with our vehicle. I tried to follow the steps to utilize the system. In the process, I spoke with a representative of Nissan, and she confirmed that the system is applicable to our vehicle. I tried and tried, finally getting to the point of inputting the vehicle VIN. It was at this time that the website indicated that the package was NOT applicable to our vehicle.

I feel the salesperson was misleading to us as well as the Nissa
n website, and again, with the rep from Nissan.

I feel this is false advertising as the system was one of the reasons we decided on this particular vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I started an account with Capitol 1 and a XXXX XXXX dollar credit limit. I linked the payment directly to my XXXX bank account for withdrawal, and made the payment manually online prior to the thirty day mark on XX/XX/2018. 

The money was removed from my chase account, and I recieved a transaction number and a confirmation that my bill was paid. 

I logged on today, XX/XX/2018 to pay off this months balance. I was shocked to find myu account closed due to non-payemnt. 

I contacted the company, informed them of my confirmation number and the money being removed from my account, and they told me they were correct in shutting down my account. They further told me that they had allready reported the closure to finanacial credit institutions, and I should take up the matter with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 TRANSUNION 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 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 2018-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WALL STREET MORTGAGE BANKERS
State: NY

Complaint narrative:
Loan originator XXXX XXXX XXXX # XXXX had a deceptive advertisement on page 17 of the XXXX XXXX on XX/XX/18 and possibly other dates. According to the NMLS consumer access page, XXXX XXXX has an NMLS number attached to " Wall Street Mortgage Bankers, Ltd ''. This company is not mentioned anywhere in the advertisement. According to the NMLS consumer access page, Wall Street Mortgage Bankers Ltd. has no DBA 's associated with it. In the advertisement, XXXX XXXX was advertising rates which are no longer available at the quoted APR. The quoted rates have not been available at the quoted APR for some time now. The ad quoted a Fannie Mae 15 year fixed at 3.25 % rate and 3.637 % APR at a time when the industry average 15 year fixed is circa 4 % rate at par. The ad quoted a Fannie Mae 30 year fixed at 3.75 % rate and 3.969 % APR at a time when the average 30 year fixed rate is 4.5 % at par. The example scenario for these rates did not include a loan amount and only stipulated " Min 20 % down ''. Directly underneath said rates was text stating " CONDOS, CO-OPS ... .ALL GOOD! ". This is misleading again because Fannie Mae has rate add-ons for condo and coop loans at loan to values higher than 70 %, so even if the rate quoted were available ( which they are not ) those rates and APR 's would not have been available on a condo or coop at the cited 80 % financing. The deceptive and misleading advertising from XXXX XXXX should cease immediately. The public deserves accurate information about current mortgage rates

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 2018-03-14 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: TN

Complaint narrative:
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 Equifax 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14 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: TN

Complaint narrative:
Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


Experian : XXXX XXXX XXXX XX/XX/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

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 2018-03-14 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I paid off my credit card statement last month in full. 

Based on my prior experience paying off other cards, I was aware of the concept of trailing interest and aware that this charge would likely show on my ccard statement the following month. 

It did show. 

I requested they remove this charge since it was not reflected in the balance due from the prior month 's bill. They refused. 

I requested an itemized breakdown of the charge they were attempting to charge me. 
They provided me with an explanation of the charge but no itemized breakdown. 

Instead, I got notification that.. they increased my credit limit. Which is not what I wanted or even requested. 

I refuse to pay this amount without 1. An itemized breakdown reflecting the daily interest accrued amount based on my specific account details.

2. a reminder of the language within the ccard contract that reflects that this amount is expected.

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 2018-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Trans union, XXXX, and XXXX keep reporting XXXX  on Credit, XXXX  XXXX XXXX XXXX and XXXX XXXX  as bad marks on my credit files. I dipute all of these in the past and they were removed. They just change the name of the debt collectors and re report it.

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 2018-03-14 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: MN

Complaint narrative:
I have requested TransUnion to remove unauthorized request off my credit report for months now. I am a victim of identity theft. I did not make these inquires or authorize them.

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