vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I've been back and forth with Bank of America to get off CRA XXXX XXXX. I am a XXXX XXXX veteran and showed BOA the proof of being so and why I made the mistakes that caused my account to go negative. That account is now paid off I will upload to you the proof I sent to them which they did not consider. ( although they lied and said they " may have '' considered it ) They sent me a letter saying the bank will keep their choice to keep me on CRA. I just got off the phone with XXXX XXXX XXXX as I am working with them. No referrals, please. I don't owe Bank of America a XXXX. It was a small mistake that was fixed when I had a debt with them which is now ALL PAID OFF. This is bullying and extortion.

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 2018-05-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has not yet sent me the results of my credit investigations, despite the fact that I sent the request to them nearly 2 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
PSLF RUNAROUND. I QUALIFY AND NOW BEING TOLD AFTER TRANSFERRING THE LOAN SOME TIME AGO BASED UPON XXXX   RECOMMENDATION THAT MY ACCOUNT DIES NOT QUALIFY. DECEITFUL CONVOLUTRD PRACTICES. DEALING WITH THIS SINCE XX/XX/17. PAYED ON THE LOANS FOR NEARLY 20 YEARS AND NOT ONE DIME IF PRINCIPLE HAS BEEN PAID DOWN. A DISGRACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: CA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I have been disputing the inaccuracy of this XXXX XXXX account, and requested proof that this account even belongs to me, such as the original contract with my signature, but the CRA 's have failed to do so and failed to do so within the 30 day period. They are continuing to report XXXX XXXX XXXX, account # XXXX when theres obviously no proof that it even belongs to me. m not saying this is identity theft, but what I am saying is that the CRA 's are required to report all accounts accurately and completely and I know for a fact they didnt verify this account! Wheres the contract with my signature? How can they possibly say that the creditor has verified this account. I have also disputed this information directly with the collections agency and they sent me back a letter stating that a copy of transaction with my name on it verifies that this account belongs to me. Where is the application or contract with my signature? They continuously refuse to provide that information that can assist in accuracy of reporting. Obviously, they do not have verifiable proof that this account belongs to me. I have repeatedly asked to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. Additionally, I asked the CRA 's that they are required by law under section 609 protects me against false reporting and I should point out here that thats exactly what this is!

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 2018-05-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX I made a {$22.00} purchase at XXXX XXXX in XXXX, NJ. A {$100.00} hold was put on the card at the pump, but was not removed. Instead it went through, but I did not purchase {$100.00} of gasoline. I filed a dispute for the {$100.00}, but Citi claimed that because I was present when the card was used and I did not report my card as lost or stolen that the charge was valid and returned it to my card. I did not spend that amount on gas, and I never have. I want Citi to stick by their promise of 0 % fraud liability. This practice is allowing theft with Citi as an accomplice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Our home insurance premium is past due. It was due XX/XX/2018 and I have confirmed with XXXX today that Wells Fargo has not paid our premium on our behalf from our escrow. Additionally, they have increased our escrow payment significantly each year in the past two years since we purchased our home. Our payment is now almost {$200.00} more than it was when we signed our fixed rate mortgage. Its soon to be {$75.00} more than that, with their estimated escrow increase. 
Our taxes have increased, but only slightly, not {$2400.00} a year. 
Finally, I want to get out of escrow with them and they said I have to use their appraisal company to appraise my house to see if we have 20 % ownership.

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 2018-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ditech Financial LLC
State: NV

Complaint narrative:
Ditech has refused to send statements on a monthly basis to cut down paperwork, they also have not reported my payments to the credit bureaus. Now I will no longer know if they have received and posted my payment or have any balance information given to me like they use to and I believe this is unfair. The company claims they want to cut down on sending paper statements. Now I will loose all track of payments and balance history unless I call them monthly or request a payment history which means they will have to send paperwork anyway so this is unfair and makes no sense. This kind of behavior with these companies has to be stopped. Consumers seem to have no more protection of our second mortgage debt and that should be against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
I paid the amount that was ordered by my Attorney XXXX XXXX for my bankrupty that was filed XX/XX/2015. I was told by XXXX XXXX to pay my payment of XXXX monthly and the bankrupty court was also collecting payment each on this account. I do have my receipts for the payments I made and also proof for bankrupty court collected.as my attorney instructed me to do so. I was told by Vanderbilt Mortgage agent that they were going to foreclouse on my house in XXXX XXXX XXXX XXXX. I was making to payments a month on this loan how could I be behind that is why my Attorney made sure I was paying my payment each month me and my daughter paid. I paid XXXX where was that money applied. Where was the money the bankrupty court sent to them applied? They told me I am XXXX behind and that is what I need to pay to catch up on my account, they are foreclouseing on my house. They are reporting to the credit bureaus that I am 30,60,90 days and behind on payments. I asked for a mofification and they denied me because my income was not enough and I got this house with the same income I have now but my daughter help with my income so I have more income and was told not enough. Please help me with this mortgage company.

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 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My home mortgage was sold to Nationstar, and I had trouble since. Last XX/XX/XXXX, I called and asked Nationstar if I could prepay my XX/XX/XXXX property tax since i have an escrow account with them. I was told I could go ahead pay it, and Nationstar will do a escrow re analysis for me once I submit the payment proof. 

I faxed over my payment proof in XX/XX/XXXX and called request for the escrow account analysis. In XX/XX/XXXX, I called. In XX/XX/XXXX, I called, In XX/XX/XXXX, I called. However everytime I called, the rep. including the supervisor were rude, not willing to help, nor do the escrow re analysis. I was told a different story every time I call. 

I called local county, and I know the county has refunded the money back to National star for my property tax for the period XX/XX/XXXX - XX/XX/XXXX, at {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I have been disputing the inaccuracy of this XXXX XXXX account, and requested proof that this account even belongs to me, such as the original contract with my signature, but the CRA 's have failed to do so and failed to do so within the 30 day period. They are continuing to report XXXX XXXX XXXX, account # XXXX when theres obviously no proof that it even belongs to me. m not saying this is identity theft, but what I am saying is that the CRA 's are required to report all accounts accurately and completely and I know for a fact they didnt verify this account! Wheres the contract with my signature? How can they possibly say that the creditor has verified this account. I have also disputed this information directly with the collections agency and they sent me back a letter stating that a copy of transaction with my name on it verifies that this account belongs to me. Where is the application or contract with my signature? They continuously refuse to provide that information that can assist in accuracy of reporting. Obviously, they do not have verifiable proof that this account belongs to me. I have repeatedly asked to see all documents that were filled out when this account was opened, including an application or contract or this account needs to be removed. Additionally, I asked the CRA 's that they are required by law under section 609 protects me against false reporting and I should point out here that thats exactly what this is!

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 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ou are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in XX/XX/2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

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 2018-05-14 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: CA

Complaint narrative:
ou are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened in XX/XX/2016 - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of {$1000.00} per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my credit report or you should expect an intent to sue in the mail, because I will have to choice but to take legal action.

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 2018-05-14 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: FL

Complaint narrative:
Experian has re-inserted accounts on my credit that were deleted. This is against the law. 
The following accounts need to be removed : 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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
XXXX XXXX XXXX has been attempting to collect a voided debt from XXXX Credit Card for years. They called my in-laws in XX/XX/XXXX. Today,XX/XX/XXXX, they called at XXXX XXXX. and would not tell me who they were because I wouldnt verify my social security number and address. I hung up and would like this nonsense to stop. The debt it no more, yet they still contact me and my family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: TX

Complaint narrative:
I sent two certified letters to XXXX XXXX, a company that is reporting to the credit bureaus. The first letter of dispute was sent on XX/XX/XXXX and was received in their office onXX/XX/XXXX at XXXX. They never replied with any proof of my obligation to pay what they are reporting. The second letter of dispute and request for verification was sent certified on XX/XX/XXXX and was received in their office on XX/XX/XXXXat XXXX. They never sent me anything in return. My 3rd attempt to clear this up was sending a certified letter to the credit bureaus which I did on XX/XX/XXXX. It was received by experian on XX/XX/XXXX at XXXX and they have already sent me an email stating the information was verified. I called today and asked for the documentation that proved the information was correct and they said they dont have that information only that it was verified. The burden of proof is on the credit bureaus not the consumer. They are reporting without even responding to my letters and the credit bureaus dont even verify real documents, real proof.

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 2018-05-14 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: CORELOGIC INC
State: TX

Complaint narrative:
CREDCO 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 2018-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Action Financial Services, LLC
State: NY

Complaint narrative:
I received a letter on XX/XX/2018 stating that I must respond and begin making payments on my federal student loan or it would go into default status. I called within the first 30 days of the allowed 60 days and they told me that my loan was already in default and to " disregard the wording as it is their general welcome-letter ''. They then took some information from me and stated that I would need to pay a monthly amount of {$78.00} for 9 months for my loan to be taken out of default status. The entire loan amount equaled {$7300.00}. I agreed to the monthly amount and asked if I could make the first payment but they asked me to wait until I received another letter for them to begin making payments. 

While I was waiting for their letter they began calling my employer and my employer transferred the call to me. I immediately asked them never to contact my employer and only to contact me on my cell number. They agreed, but then stated my new total was {$9200.00} and I would now be required to make a monthly payment of {$750.00} per month. I told them this was not feasible for me and asked why my monthly amount jumped 10x that of their last quote. They said it was because I was married and my husband made the same amount of money that I did. I asked then why the payment wouldn't just double to {$150.00} and they couldn't tell me. At this point I asked them again to only contact me via my cell number and I called my attorney for advice. She advised me not to speak to them and to allow them to send a letter on my behalf. 

A week later I began receiving calls from them again directed to my employer. I spoke to them and reminded them that I expressly asked them never to contact my employer, that I had never given them the name or number of my employer and that they were jeopardizing my employment by doing so. They then pressured me to give them the name and phone number of my attorney and I said I didn't feel comfortable doing so and that all information would be clearly presented in the letter presented on my 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