vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern : Your company really needs to do more to investigate, correct the problems occurring with Equifax. The fact that this company still continues to operate is UNBELIEVEABLE! I have contacted Equifax NUMEROUS times starting in XX/XX/XXXX when I noticed my credit report/score appeared to be frozen without any  movement since XX/XX/XXXX. One of my creditors advised that it sounds like I could have a Split File. 

Most recently, I have contacted Equifax XX/XX/XXXX and sat on the phone for 42 minutes with someone who could not understand me, nor help me. I was transferred to a US representative who STILL could not assist me w/ a possible Split File. I've even spoken to representatives who do not even know what a Split File is. I was told my issue would be sent to escalations and I would be contacted ... I have not been contacted. I again contacted Equifax on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX trying to get answers as to why and how my file has disappeared. Now my bank can not monitor my remaining credit files because of Equifax! 

On both XX/XX/XXXX and XX/XX/XXXX I spoke with Supervisors. XXXX on XX/XX/XXXX as well as XXXX. XXXX confirmed there was no freeze on my account ; however, she could not access my report at all. XXXX then proceeded to tell me she was escalating my issue to the Corporate office. I still have not been contacted for assistance finding my file. On the previous days, my file was accessible. Now all of a sudden IT IS GONE?!?!?! I attempted to apply for credit and was told my file contained incomplete or missing information. HOW IS THIS POSSIBLE?! OR LEGAL?!?! 

WHY ARE YOU PEOPLE NOT DOING MORE TO HELP US?! Equifax holds our most personal and financial information ; yet, they are allowed to continue to operate in this manner? PLEASE DO SOMETHING ABOUT THIS as this CAN NOT BE LEGAL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is in regard to CFPB Complaint # XXXX. I have received several missed calls from XXXX with Bank of America Regulatory Complaints Department, but unfortunately I was not at liberty to answer calls during work. I promptly returned her call and then again 10 times  later last week but was forwarded directly to her voicemail each time I called. Please advise XXXX to : a ) Send me an email at XXXX to schedule the best time to speak ; or, if a ) is not an option : b ) Call me between the hours of XXXX XXXX  and XXXX XXXX Eastern Standard Time ( the earlier the better ). If she misses me, attempt to redial in around 15 minutes and I'll do my best to answer the call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/XXXX I purchased a property which has a mortgage that was sold to Fifth Third Bank. Since that date I have received numerous letters from Fifth Third Bank regarding an issue with securing flood insurance on the property listed above. 

In XX/XX/XXXX I purchased a flood policy on the home with the maximum coverages allowed by FEMA. After waiting the 30 day waiting period required by the insurance provider the policy went into effect XX/XX/XXXX. I have since added Fifth Third as a mortgagee on the policy ( not pictured on provided declarations page ) even though I believe this flood policy to be elective on my part. 

The flood policy is written for a property in flood zone X. However, Fifth Third apparently believes the home is located in flood zone AE and is  demanding I provide proof of flood insurance for a property in this flood zone. This is the crux of my issue. The home is not located in flood zone AE, but is correctly located in flood zone X. 

Since XX/XX/XXXX I have been contacting Fifth Third Bank about this issue using the email contact information provided on my statements. I have also called the numbers listed for the insurance service center department as well as direct numbers to Fifth Third Bank. Each time I have contacted I have provided a Letter Of Map Amendment ( LOMA ) that was provided to me at closing stating from FEMA the  home is located in flood zone X. After providing the LOMA, I have been told by both the insurance service center and Fifth Third directly, but verbally, that the issue has been resolved, yet I continue to receive written correspondence from Fifth Third stating otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
My account number is not indicated on my statement. 

My statements do not show the correct amount of interest paid for the calendar year. The individual payments online show the interest paid per payment, but there is no total indicated anywhere. My statements also show the individual amount paid, but then indicate {$0.00} interest paid for the calendar year. 

When contacting the company XXXX regarding their information being incorrectly shown, and not readily available, their response was to individually look up every single payment and total the interest myself based on that history. I advised this is not an acceptable solution, as their statements which can be downloaded and saved are incorrect and do not indicate the interest paid per year. I was told to then go online and look at individual payments ( again ). Then I was told I needed to request that yearly summary from XXXX directly to receive the total interest paid if it was less than {$600.00}. So I requested a copy of this yearly statement ( as they had literally just told me I needed to, though this is not listed on the website anywhere ) and was told " you will be able to access that information online at any time ''. She is giving me the runaround through the entire conversation. 

I then repeated that the statements online are incorrect. and she copied and pasted a blurb about the XXXX ( not the XXXX which I was asking about ) and how to dispute the XXXX I repeated my requests regarding incorrect statements and the yearly statement that apparently you have to request, and is not provided otherwise. Her response, " The loan is paid in full, what needs fixed? '' I am beyond frustrated and have asked to speak to a manager in which I am told I must call in, or request a call back within 48 hours. 

I have never been more frustrated, and provided incorrect information with zero answers to my questions. I have 3 other loans with XXXX in which ALL of the requested information is not only provided on their website, but is easily accessed, totaled per calendar year, and life of loan, as well as correctly indicated on their statements that are available to be downloaded. 

It is completely ridiculous that they are refusing to correct their statements which show the wrong information, when these statements are a more standard and reliable source to show the interest paid compared to screen shots of every single individual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: GA

Complaint narrative:
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: GA

Complaint narrative:
Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit

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 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank is charging me a " RETURN CHECK '' fee of {$25.00} for an automatic payment that was rejected by my primary bank. 

I have accepted the late payment fee of {$30.00}, which is in itself outrageous, but I refuse to pay the Return Check fee for a check that was never sent to my primary bank in the fist place. When I called Citibank and ask for a copy of the check in question they refused to send it to me and the representative also refused to give me their legal department 's contact information. Banks no longer send checks to each other, this is a rip off and should be ILLEGAL. 

Citibank is a company with a long history of deceptive practices and, after paying millions to customers in refunds, they continue to scam and rip off its customers to this day. 

Back in 2015 the CFPB ordered Citibank , N.A . and some of its subsidiaries to refund nearly {$700.00} million to customers for unfairly billing consumers for credit card add-on products, deceptively marketing those products, and deceptive collection practices.

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 2018-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I applied for a loan to get XXXX XXXX at my eye doctor 's office in XX/XX/2016. The loan was serviced through Synchrony Bank. I received the XXXX in XX/XX/2016 at a cost of {$3800.00} at a fixed rate, promotional percentage of 14.90 % for 36 months. 

I have been able to locate payment records since XX/XX/2016 for a total of {$3200.00} paid so far which I have attached a ledger for ( I can only go back 2 years with my bank and Synchrony so I could have paid more ). 

Currently, 24 months into the 36 month loan, I have a promo account balance due of {$880.00}, but a monthly payment due of {$530.00}, which includes a past due balance of {$350.00}. Synchrony says I will be in collections until the {$350.00} is paid. Also, my monthly bill is now {$180.00} vs the original {$130.00}. 

The promo balance, along with the interest rate, within my promo period don't make sense to me. 

I believe I have been charged excessive late fees and am still being penalized for them. I am also being billed different monthly payments from my original amount, which is designed, in my opinion, to keep me in collections since I never know what is due each month. 

My payment started out at XXXX per month, for 36 months. 

My statements are created on the XXXX of each month. The billing date is the XXXX of each month. 

If I missed a payment, I doubled up, sometimes paying twice within a month period ( payment record attached ). When began receiving an exorbitant amount of late notices, I asked the bank why, and they told me if I pay too early in the month, they would still consider my payment as late and charge a fee for the same month anyway ( correspondence attached ). 

I would like for someone to credit my account for all late fees charged within months for which a payment was received early from me. 

I also want all interest charged against such fees to be credited. 

I also want my monthly amount due to be stabilized and consistent. 

I have been called every hour on the hour Monday - Sunday from XXXX XXXX est to XXXX XXXX est by Synchrony 's collections system. As you can see by the attached payment record, I have been making my payments and do not understand the harrassment, nor the exorbitant monthly amounts that Synchrony says I owe. I want this collections harrassment to end. 

I need help. 

Thank you.

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 2018-02-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I have been working with Experian regarding a bankruptcy being reported on my credit report. I have requested how the information has been verified. This dispute was originally submitted in XX/XX/XXXX. I have spoken with multiple reps who have informed me that the information is verified via XXXX XXXX. I communicated with XXXX XXXX as recent as XX/XX/XXXX and they have confirmed they have not verified any information regarding a bankruptcy. I have also contacted the US Bankruptcy courts and they have explained they have not verified a bankruptcy under my name.

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 2018-02-13 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I have several late payments that are reporting on my consumer report, that indeed I know for a fact was not late, my husband and I got a letter in the mail from XXXX XXXX XXXX stating their were a payment processing errors for certain months and they would contact the credit bureau 's to update those derogatory payments, but it has not been updated yet. The late payments that needs corrected are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: TX

Complaint narrative:
Around early FXX/XX/2018 I requested statements from the creditor to validate the debt which is inaccurately being reported and adversely effecting my credit score.  You notified me that 1.your agent XXXX didn't misrepresent herself and It was a misunderstanding and that you would 2. Mail the statements I requested in 5-7 days. Well I have received theses statements On  XX/XX/XXXX and attached copies for all to see the careless work you do. Yeah maybe it was just a misunderstanding or worse, maybe you just don't care and it doesn't matter. You didn't provide any evidence of the original signature to validate the debt, no one nothing no name address or phone number, in fact the second sheet of paper could have been pulled from a trash bin. You sent XXXX XXXX a XXXX old resident from Wisconsin medical record of some sort. How do you make a mistake like that? I'm not going to exhaust any more time with communicating with you all. Please do not call me or I will consider it harassment. Send all correspondence by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ocwen Financial Corporation
State: DC

Complaint narrative:
Last XX/XX/XXXX I disputed and appealed a translation that was never resolved. This went on for almost 6 months. 

I contacted Ocwen in XX/XX/XXXX about a trial payment plan modification. It was approved but the dates were untimely and I asked fo relief. 

I spoke with Ocwen in XXXX and was advised to submit a new application for assistance and I did so on XX/XX/XXXX. I was told that the foreclosure would be on hold while the Ocwen underwriting reviewed my request. I had questions about the application for assistance that were never addressed or answered. 

I spoke with a Ocwen representative in early XXXX who told me they would get underwriting to review the questions and help me resolve the matter. 

I schedule a cal for XX/XX/XXXX and instead of getting help on the application or Ocwen reviewing my XX/XX/XXXX request, Ocwen informed me that the property has a sale dat of XX/XX/XXXX. This was doen after I was told that the sale date was on hold while the application was being considered and reviewed. 

I was asked to submit the application again to Ocwen who the representative XXXX ( XXXX ) knew of on XX/XX/XXXX and XXXX ( XXXX ) said there as no " imaging '' in the Ocwen system of the application or record of a review by underwriting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: Nicholas Financial Inc.
State: MO

Complaint narrative:
Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I HAVE A CHARGE ON MY ACCOUNT THROUGH BANK OF AMERICA THAT I REPORTED BACK IN 2014 WHEN THE CHARGE HAPPEN AND THEY DID NOTHING. I THEN TRIED TO REACH THEM WITH A FRIEND OF MINE AND SEE WHAT THE OUTCOME WAS AND THE REP FROM BANK OF AMERICA SAID THEY CAN ONLY GO BACK 60 DAYS. MY FRIEND EXPLAINED TO REP THAT IT WAS REPORTED BACK IN 2014 AND NOTHING WAS DONE AND REP SAID THERE WAS NOTHING THEY COULD DO.

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 2018-02-13 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 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: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Unauthorized credit inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo foreclosed on house saying I missed 6 payments, then sent an agent to tell my tenants that they would have to move, they would not listen to what I had to say, so I sold every thing I owned and moved so I could pay what they said I owed then they listened and I sent copy of receipts, that was the last I heard from them, I was unavailable, for month, maybe they tried, I am available now.

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 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC

Complaint narrative:
I requested a reduction in my mortgage interest rate about two years ago as I was paying and still paying 6.875 %. My mortgage was initially with XXXX XXXX XXXX in XX/XX/XXXX. 
The mortgage was switched to Nationstar around XX/XX/XXXX. This was done without my agreement. I have tried on several occasions to re finance my mortgage to a lower rate. In addition I have been invited by Nationstar to contact them regarding refinancing. On each occasion my request was rejected on the grounds that I did not possess a SSN. In addition I was prevented from gaining access to my account as I did not have a SSN. I reported the problem to a number of SSN on line managers and on each occasion I was told that new restrictions in the law prevented them from assisting me. I have tried to get accesss to their senior management and to no avail. I understand this company is a debt collector and as I have never faltered on my payments to XXXX initially nor to Nationstar as I have sufficient earnings to pay my monthly sum. I am at a loss as to why I do not have a right to gaining a lower rate. My credit ration is excellent and I have sufficient liquidity in the mortgaged condo to ensure I offer no risk to my creditors. In addition Please can you assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: ND

Complaint narrative:
I am on the pay as you earn repayment plan. I'm temporarily XXXX and I'm not earning anything and I can not pay anything. I've submitted forms and they are still trying to get me to pay and negatively reporting on my credit report.

Company response to consumer: Closed with explanation