vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax must process credit freeze requests made on their website within one business day but does not comply by preventing me to request a freeze or unfreeze. 

Placing a credit freeze on Equifax.com requires creating an account and possibly verifying your identity. Despite doing all this, Equifax will not let me request a freeze online, showing an error message saying they require additional information to process these requests. 

I have requested the problem to be fixed several times over the course of a year : - twice by mail, sending all necessary identification paperwork - by email at customercare@equifax.com but they replied that they can not help - many times over the phone, waiting sometimes up to an hour to speak to an agent. 

Equifax agents have told me the problem was fixed several times, or that the problem would be fixed within 24 hours. They more recently told me they would fix the problem within 7 to 10 business days, and reach out to confirm. Later, Equifax could not provide an update because their systems were down. Several months later, needless to say I never heard back. 

Equifax refused to give me a point-of-contact to follow up on the issue, or refused to call me back with an update. I was instead instructed to call back later, and speak again with a agent unaware of any context. 

Equifax is required by law to process credit freeze requests made online within one business day. By not providing an interface to request credit freezes, Equifax is in  breach of its legal duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
submitted a dispute with transunion in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record 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 explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XXXX  XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trojan Professional Services, Inc.
State: PA

Complaint narrative:
I am lodging a formal complaint against Trojan professional. This debt collector has reported derogatory information on my 2 credit reports. XXXX and XXXX for a debt in the amount of {$110.00}. I have never received anything from Trojan in the mail or by phone. I never received a dunning notice which gives me 30 days to dispute validity. That's a violation of the fdcpa/fcra. In addition I have sent Trojan numerous debt validation requests,. And they ignore me. I do not owe Trojan {$110.00} and I am requesting Trojan to delete this account from my credit reports. I am in the process of purchasing my very first home for my family and I. This errounous account is holding me back. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I sent Midland Credit Management a letter on XX/XX/2019 requesting that they cease all communication except to call my personal cell, XXXX. They repeatedly call my GOVERNMENT ISSUED CELL at XXXX and have disregarded my written request. I would like to report them for violating the policies of debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I received two emails from Citlibank informing me they reduced my credit limit on two cards I have with them by a significant amount. My Citi Rewards card limit was reduced from {$6500.00} to {$1900.00} and my Citi Double card limit was reduced from {$6300.00} to {$1800.00}. These accounts are between 3-4 years old and have always been in good standing with payments made every month on time. 

Recent payments I made on these cards on XX/XX/XXXX of {$4300.00} and {$4200.00} respectively reduced my credit utilization on these cards to below 30 % which would improve my credit score. Now that Citibank has decreased my limits it raises my utilization on those cards to over 95 % which hurts my credit score. My recent large payments to them constituted 66 % of a 0 % balance transfer promotional offer made months ago that was effective through XX/XX/XXXX and XX/XX/XXXX. I was on target to pay the entire balances off long before the promotional rates expire. You would think this would be a plus, not a minus. 

I called Citibank to ask why they reduced my limits and they would only tell me there was something on my XX/XX/XXXX XXXX report regarding balances I had with two other creditors. They would not give more specific reasons why they did this or which two other creditors they were referring to. They told me to call XXXX and ask them why, which I did, and XXXX could find nothing whatsoever derogatory on my XX/XX/XXXX credit report that would explain why Citibank took this action. All my payments to all my creditors have been made and on time. 

I have been in process of improving my credit score for several weeks. Citibank lowering my credit limits will cause my score to decrease while I am earnestly making efforts to increase my score. I am worried my other credit card companies will now follow suit, lowering my credit limits, and that my credit score will keep decreasing instead of increasing. I would think Citibank has to give me a reason for their actions and give me an opportunity to appeal their decision as I see no valid reason for them to do this. If I had only made the minimum payments on these cards at 0 % interest they would not have been legally permitted to lower my credit limits and charge me over limit fees, so by me making large payments and them subsequently reducing my credit limits it seems they are punishing me. This does not seem right.

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 2019-12-28 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: MOHELA
State: MO

Complaint narrative:
Mohela is putting duplicate information on my credit report and lowering my credit score dramatically. 

I have 3 student loans with them and they put my information on XXXX and XXXX   double. They put the original loan and the in house collection company reporting the same dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XX/XX/2019 I contacted Transworld System to advise them that they were reporting 2 debts that was paid by insurance. One for the amount of {$1800.00} and the other for {$83.00}. Transworld stated they would get validation of the debt amount and remove it from my credit report. I made sure they were aware that they had no longer than 30 days under FCRA. I was more than patient and contacted them again in XXXX both by mail and phone. XXXX XXXX a supervisor at Transworld stated that as of XX/XX/2019 they still had not validated the debt and refused to remove it until they received proof from the medical billing company. They have a total disregard for both federal and state laws as well how this is impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I filed an Equifax dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. Equifax is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc. 
3. You have not actively used credit int the past ten years. See # 2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: TX

Complaint narrative:
I was an XXXX XXXX XXXX customer back in XX/XX/2018. I cancelled the service and returned the equipment. A year later I noticed a collection on my credit which dropped my credit by 27 points from AFNI. I reached out to XXXX XXXX XXXX and they informed me that they would investigate the account. At the time I could locate the receipt that was handed to me at the XXXX store in the XXXX area. I later received a check from XXXX XXXX XXXX and thought that they had located the equipment and that everything was ok. I am at a point where I am trying to get my finances together and wrote a letter to AFNI and asked to resolve the issue by settling the issues ( basically a pay for removal from my credit ). So they responded with a verification letter, which details that the balance was for unreturned items. I found my old phone in my storage unit and found there receipt detailing the equipment was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The Navient and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. Navient and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ... 
Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status? 

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I HAVE BEEN INVOLVED IN A CHAPTER XXXX BANKRUPTCY SINCE XX/XX/XXXX. IT WAS SUPPOSED TO BE A FIVE YEAR PAY OFF. WHICH WOULD HAVE ENDED IN XX/XX/XXXX. XX/XX/XXXX NATIONSTAR MORTGAGE LLC / DBA MR. COOPER SUBMITTED A SUPPLEMENTAL PROOF OF CLAIM TO THE BANKRUPTCY COURT. ( DOCUMENTS INCLUDED. ) MY ATTORNEY FORWARDED THIS TO ME. I IMMEDIATELY RECOGNIZED THAT MOST, IF NOT ALL OF THESE ITEMS HAD BEEN PAID. I HAVE REQUESTED MANY TIMES ( AT LEAST 10 TIMES ) DOCUMENTS FROM XXXX XXXX, NATIONSTAR AND MR. COOPER. THE DOCUMENTS THAT I REQUESTED ARE AS FOLLOWS : 1 ) COMPLETE HISTORY OF THE TAX AND INSURANCE ESCROW ACCOUNT.

2 ) COMPLETE HISTORY OF THE RESTRICTED ESCROW ACCOUNT ( INTEREST BEARING ) THAT HELD THE PROCEEDS FROM MY XXXX XXXX XXXX PAYOUT.

3 ) PAYMENT RECORD FROM THE BANKRUPTCY CT. CREDITED TO MY ACCOUNT.

4 ) YEAR END STATEMENTS AS REQUIRED BY LAW OY MY ACCOUNTS.

AS OF THIS DATE THEY HAVE NOT FURNISHED THESE DOCUMENTS TO ME. AND I NEED THEM TO COMPLETE MY BANKRUPTCY CORRECTLY.

ALSO, I HAVE NEVER MI9SSED A PAYMENT TO THE BANKRUPTCY COURT IN THE 7 ( YES I SAID SEVEN ) YEARS THAT I HAVE BEEN DEALING WITH THIS. THIS CAN BE CONFIRMED WITH THE COURT AND I CAN SEND YOU A PRINT OUT OF THEM.

THE SUPPLEMENTAL CLAIM WAS LATER WITHDRAWN ( SEE DOCUMENTS ) ON XX/XX/XXXX BUT THIS HAS CAUSED MUCH CONFUSION, EXTRA ATTORNEY FEES, AND A LOT OF EXTRA TOME ON MY PART TO STRAIGHTEN THIS MESS OUT.

THE MORTGAGE COMPANIES CAUSED ME MAJOR TIME AND EXPENSE. I COULD NOT DO MY TAX RETURNS, WHICH ARE REQUIRED BY THE COURT, BECAUSE THE DID NOT SEND ANY YEAR END STATEMENTS UNTIL THIS SUMMER. I FINALLY HAD TO GET APPROXIMATE FIGURES FROM OTHER SOURCES TO DO THE RETURNS FOR THE COURT. THIS COULD HAVE CAUSED A " DISMISSAL ''. WHICH WOULD HAVE MADE THE LAST SEVEN YEARS OF MY PAYMENTS AND EXPENSES FOR NOTHING!

THEY HAVE ALSO ILLEGALLY TAKEN THE MONEY FROM MY RESTRICTED ESCROW ACCOUNT APPROXIMATELY {$23000.00}, WITHOUT MY CONSENT.

MORTGAGE COMPANIES ARE REQUIRED BY LAW TO KEEP ACCURATE RECORDS AND FURNISH COPIES OF DOCUMENTS TO THE MORTGAGE HOLDER. ALL THREE OF THEM HAVE TOTALLY DISREGARDED THIS FACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Close to the XX/XX/XXXX I received a credit card I never applied for in the mail. Therefore I waited a few days and started this process of reporting and getting this fraudulent card deactivated before the creators charged money to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have told JP Morgan Chase Bank, NA to get and stay out of my email. They keep on trying to access my bank account against my denials. Stay the heck out of my email account. please see attached. I never gave my email to them and want them to get and stay the heck out of it. I NEVER GAVE OR WILL EVER GIVE THIS PROFESSIONAL THIEF PERMISSION TO USE MY EMAIL OR ANY OTHER ELECTRONIC COMMUNICATION WITH THEM. I AM DEMANDING CHASE STAY OUT OF MY EMAIL. 
MY NEXT RECOURSE IS TO TAKE THIS ISSUE TO COURT, I HAVE HAD ENOUGH!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed an XXXX dispute for which they responded with a letter dated XX/XX/2019 stating they are unable to locate a credit file for one of the following reasons : 1. You may not have a current file. I agree this could be the case and this is also the basis of my original dispute/complaint. XXXX is negligent in maintaining my file current and updated. For instance they are carrying a balance on a XXXX XXXX which has been long paid. 
2. You have not applied for credit recently. This does not apply as I was relocated by my work and had to obtain credit applications for new banks, apartment, utilities, etc.

3. You have not actively used credit int the past ten years. See # 2.

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 2019-12-28 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: Nelnet, Inc.
State: LA

Complaint narrative:
XXXX and Nelnet Loan should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and Nelnet Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and Nelnet is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan. 


ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: LA

Complaint narrative:
XXXX and XXXX XXXX should have been in forbearance as I was in a forbearance with another department of education servicer. The XXXX and XXXX Loans should have been in Forbearance since XX/XX/2018 in that the other department of education loans were in forbearance. XXXX and XXXX is reporting 90 day late on credit report but should have been in forbearance. Reference proof of forbearance for other department of education loan.

ACCORDING TO THE STUDENTAID.GOV QUESTION AND ANSWER SECTION ...

Q. Which of my federal student loans are eligible to go into forbearance or stopped collections status?

A. Initially, if you choose forbearance or stopped collections status, it will affect ALL of your federal student loans that are owned by ED and are being serviced by your federal student loan servicer, including loans that are not eligible for borrower defense loan forgiveness, such as ( 1 ) loans taken out to attend another institution, and ( 2 ) any loans you have for which you are not asserting borrower defense. If you select forbearance and you have commercially held FFEL Program loans, ED will request forbearance on your behalf.

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 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage loan had been serviced by XXXX and I have been making {$2000.00} payments for years. I got notification my loan was sold to Shellpoint mortgage servicing. As of XXXX I will be making payments to them. 
I sent payment of {$2000.00} for XXXX as I always do even though my mortgage is only {$1200.00} on XX/XX/2019 through online banking. and the money went through. I sent XXXX payment of {$2000.00} on XX/XX/XXXX exactly the same way as it is on auto pay. 

shellpoint lost my XXXX but they did get the XXXX payment. I have called 6 times and talked to many different people. I have emailed the proof my " bank statements '' and proof from from my bank that each payment cleared my account and went into their account. XXXX went to XXXX and XXXX and XXXX when to shellpoint. they say they didn't receive the payment that went out XX/XX/XXXX on auto pay. 

They received my email but only send me generic responses and no one has contacted me. they have had my {$2000.00} for 2 months now and they are trying to tell me that I'm going to be late. 

I have all proof and documentation and they say they record the conversations. 
so I would really appreciate if you can investigate this company that is trying to take advantage of me and help me try to get to the bottom of this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE

Complaint narrative:
XXXX XXXX XXXX is one of the only banks that will allow XXXX personnel to open and maintain sterling accounts first thing when you come to XXXX. In fact they market to all of the newcomers. When you sign up they force you to open both a sterling and a dollar account. You can not get a debit card for the sterling account that works anywhere other than their atm. In order to set up rent payments you have to set up direct payments. As of XXXX they are no longer offering that service for direct payments. This directly affects how Many XXXX members pay their rent and other services. I feel the bank has been misleading customers and are not complying with best practices. Also the mobile AP hasnt worked for months. And the fees for changing dollars to sterling can fluctuate while youre waiting for the transaction. It tends to go in their favor on paydays.

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