vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 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: VA

Complaint narrative:
On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: VA

Complaint narrative:
On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.

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 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC
State: MD

Complaint narrative:
On or about XX/XX/2016 I made a purchase through XXXX at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency accelerated financial SO for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.

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 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I submitted a complaint explaining that when my loan was transferred in XX/XX/XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan. Ditech responded that Green Tree Servicing LLC only changed its name to Ditech Financial LLC. They also stated that their records show that my total monthly payment amount has never been {$990.00}. I submitted a complaint with Illinois Attorney General XXXX XXXX because I needed to know why Ditech continued to take my monthly {$990.00} payment without EVER contacting me about delinquency, nor did I receive a mortgage statement reflecting a higher payment. I also asked if they would modify my loan, but they denied me despite my stable income. Ditech issued a sale date on my home in XX/XX/XXXX and has not responded to XXXX XXXX yet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On or about XX/XX/XXXX, I wrote a check # XXXX for {$3200.00} to Pa Dept of Revenue and it came back to the bank right away unendorsed and unsigned. 
I looked up my account with Pa Dept of Revenue and they never got the funds so I had to regenerate the forms and a replacement check which did come back properly endorsed. 
I called Citizens Bank and asked them to restore the money to my account for the unendorsed check. Instead they created a claim and asked for 6 to 8 weeks to process it. After 8 weeks the office of the chairman said they needed more time, Finally on XX/XX/XXXX they told me their claim was rejected by XXXX XXXX and therefore they were rejecting my claim. I then started a complaint procedure and they called me back and said I needed to contact XXXX XXXX as they were not going to restore my money. I am writing now because I feel I have been treated most unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Since XX/XX/XXXX, I have made a payment every single month. I have spoken with a representative and they advised me to call in the next month to make another payment as a payment plan was not available. Even though that is the conditions they set with me, they call and harass me and my family every single month. Last night, they ( a guy named XXXX ) left a message at my work that everyone heard. This is ridiculous and needs to stop. I don't have a lot of money, but I make payments every month. This kind of harassment should be illegal and make me beyond angry. I will try find another option this year for my student loan repayment. This company crushes your soul and isn't satisfied until you're destitute, and your family has nothing. I am convinced they would take the clothes off your back if given the chance. Stop the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
On or about XX/XX/2016 I made a purchase through whynotleaseit at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency XXXX XXXX XXXX for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was told by my college XXXX XXXX XXXX   that I did not have any government money left to use to pay my tuition and fees and therefore I would need to take out private loans in order to pay. The financial aid department at XXXX certified my loans for amounts exceeding the cost of tuition and then kept the extra money. I later found out after leaving this school that I did have federal funds available to pay for tuition. As a result I now have several large private student loans with Sallie Mae. Now Navient the collections branch of Sallie Mae is constantly harassing me and my co-signer for extremely high monthly payments that I am not able to make because they exceed my monthly income and my co-signer can not make because they are XXXX ill and currently in the hospital. I have spoke with different agents in the past, most recently in XX/XX/2018 regarding options to lower my payment amounts to feasible amounts. I have offered to provide my pay stubs, monthly bills, and statements from credit card companies to show how these large payments would create undue hardship for me. They have never requested any document from me to prove my undue hardship. The agent I spoke with only asked me questions about certain expenses over the phone. Navient only offers me a forbearance option of paying {$150.00} which doesn't lower my monthly payments it only makes the account current and thus makes no difference. The last time I spoke to an agent regarding lowering my monthly payment amounts I suggested an amount that was reasonable for me. I was told it wasn't going to happen and was mocked for not being able to make the suggested monthly amount Navient wanted. Currently I only send Navient what ever money I am able to come up with when I can. I have told them repeatedly that I can not make these large payments and that I can only pay what I can afford, but the call repeatedly everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We Got approved for a loan modification with XXXX XXXX services on XX/XX/XXXX We made our trial payments Starting XX/XX/XXXX till XX/XX/XXXX And XX/XX/XXXX XXXX XXXX XXXX Never sent the permanent contract on how much our mortgage would be on XX/XX/XXXX XXXX XXXX XXXX sold our loan to Rushmore. So we ask Rushmore if they could honor what XXXX Gave us and they said NO we will have to fill out for a new loan modification and we did and have been denied twice please help us we do not want to lose our home but they are not trying to work with us at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
When I originally opened my card there was a problem reconciling the balance vs what I actually charged and paid. I called in to have it resolved and it was fixed however, they were unable to tell me why there was a difference ( in their favor ) in what was actually on my statement, what I charged/returned and what the balance actually was. Fast forward to today, I have been attempting to order items since XX/XX/XXXX. The first order was cancelled, I called to find out why, I was told it was cancelled due to an error. I resubmitted the order on XX/XX/XXXX, it was cancelled again. Still without reason. Now I notice that my balance isn't adding up. I asked for a review, no one can tell me how to get that done. I was given a {$50.00} gift card for my trouble, however my account is not corrected. On XX/XX/XXXX my 3rd order of the same product was AGAIN mysteriously cancelled. I was on the phone and emailing for hours. No reason. I again asked for my account to be fully reviewed. I was told that the transaction did not go through on my account so my balance was correct. This is absolutely wrong. My balance has shown different amounts every time I've logged in yet there are no actual transactions on my account. Today was the final straw. I asked specifically for an investigation and executive review and was told that they were unable to help and I needed to again call the credit department. I advised that I am not making another call. I've spent endless hours on the phone with XXXX 's no one takes responsibility and sees an issue through to correction. Since I had an issue with the very first transaction, I asked for a full accounting and review of my account debits and credits since account opening. I believe XXXX 's is incorrectly accounting charges and returns. The discrepancy is very slight and not obvious nonetheless, it is an amount of money that is not rightfully XXXX 's. Any transactions made to an account must be shown on the transaction history and statement. This is consistently not the case with XXXX 's.

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 2019-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Every other credit card company was able to help us in our financial hardship. They closed our credit accounts and put us on a five year loan to pay off our balance at half our monthly payments. {$100.00} a month credit card bills became {$50.00} a month and in five years we will be free of the debt. Capital One refuses to do this. They closed our account but continue to charge us {$70.00} in interest every month. After 5 phone calls begging them to help us we got hung up on. We need a five year payoff on our balance with no interest and late fees like every other company did for us. We can not afford the {$100.00} per month Capital One refuses to budge on. If they will not work with us on this we will have to file bankruptcy to stop the huge interest charges from them. They are heartless rude and cruel. If they wont help us I will be sure to tell everyone I know to avoid capital one over all other credit cards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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:
Equifax is refusing to take off a account that does not belong to me.. I have disputed this many times and I have not gotten anywhere with them.. 
XXXX and XXXX  has already removed the account from my credit report. 
But Equifax has refused to. 
they keep telling me that the company involved said that the information is correct.. I can't see how this is possible because the others have already removed it.. 
Back in XX/XX/2017 I went to court for a car that was put in my name without my permission, didn't know I was listed as a Co buyer until I was served with court papers saying I was being sued By XXXX XXXX. 
I went to court and explained to the judge that I never agreed or signed anything say I would be a co buyer for any vehicle and the signature is not mine.. The judge dismissed the case against me without prejudice.. I sent this information to all three Credit agencies. 
Yet Equifax has not removed it ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: FL

Complaint narrative:
The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by Experian and XXXX, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have Experian to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the Fair Credit Consumer 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 non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
My first mortgage is with Ocwen Loan Servicing, LLC and my loan number is XXXX. A few months ago, I started paying my mortgage every two weeks to cut out some of the interest on my mortgage. I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX telling me that my account has been transferred. The letter states that the ownership was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They indicate that the ownership has not yet been publicly recorded. I still pay Ocwen with the same information. On the second page, it indicates that partial payments " may hold partial payments in a separate account until the rest of the payment is received, and then apply the full amount to the Account ''. Basically, they are trying to keep me from paying the mortgage every other week or if I do, they are not going to credit the account until payment in full is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: NJ

Complaint narrative:
XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.

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 2019-01-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by XXXX and Equifax, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have XXXX to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have a department store credit line and for the most part.i bought a lot of faulty items at Walmart.I bought 4 different prepaid phones from various Wal-Mart 's across the USA and all have been absolutely faulty.Walmart has also sold me a black molded Green pepper on the inside, which I have pics and a friend to back up this claim.Walmart is not thoroughly checking all products sold at it's locations.Their customer service lacks also in resolving these disputes which is to suppose to be 1-2 billing cycles and still a year later, a simple dispute has not been resolved for the phones.I was hesitant to get a line of credit here and this proves 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 2019-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loancare who is servicing my mortgage failed to pay my property taxes on time and paid one month late causing a late fee of {$180.00}. I spoke to the XXXX XXXX County Assessor office and they verified the information.

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 2019-01-17 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
XXXX XXXX, is showing 30 days late when in fact I submitted proof I was never late. On XX/XX/2018, I want this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I had a credit score in the upper XXXX 's around the mid XX/XX/2018 ; the following week I received and alert from XXXX XXXX  that something went wrong, I found out that XXXX XXXX dropped my credit limit from {$9500.00} 's to $ 1000s for no reason. This card I've always paid on time and paid it off last year. I contacted them and they informed me that it was because of what they saw on my credit report but no other detail, I've tried for them to give me a more specific answer but they wouldn't. They have messed up my credit for no reason.

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 2019-01-17 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial is refusing to take off incorrect information from my Credit Report.. back in XX/XX/2017 I went to court for a Car Loan that I was being sued for. I had no idea that I was listed as a co buyer for this Loan until I was served with court papers. I went to court and explained to the judge that the information was not mine and I didn't know of this until I was served the signature didn't belong to me. 
I never agreed to be a co buyer for any Vehicle. 
The Judge dismissed the case against me without prejudice.. I submitted disputes with all Three Credit agencies yet XXXX   has refused to remove it from my report, stating that GM Financial said that the information is correct and therefore can not remove it.. I can't understand why this is possible because XXXX and XXXX has already removed the information from my Credit Report.

Company response to consumer: Closed with explanation