vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: FL

Complaint narrative:
The letter Great Lakes provided in claims XXXX. XXXX stated I attended the institution of XXXX XXXX college but they did not admit to the institution in question who committed the fraud which was the XXXX institution of XXXX XXXX, Nevada. I can not prove I attended this institution with school documentation because I did not attend this institution!!! My loan service through Dept of Education named Great Lakes Borrower claimed to have done there own investigation on the Institution in question. The claim they presented they opposed investigation claim they found to be true, was in fact inaccurate!!! XXXX XXXX college orchestrated the FRAUD through another institution. As a result the school has been closed, if the Department of Education knows this why are they still trying to hold me accountable for fraud one of their employees committed??? Did this person get jail time? There response does not justify this claim as resolved, there response does not justify a resolution to this issue. My original claim XXXX should have never been closed because it was not resolved. The letter they attached for their response is dated XX/XX/19, I NEVER RECEIVED THIS LETTER! SO how could be a resolution or explanation for the issue at hand when the letter was just written. Meanwhile, they continue to report to the credit bureaus and hurting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX Bank of America Regulatory Complaints Bank of America attempted to resolve issues related to mortgage/escrow account by falsifying information and misrepresenting factual information publicly available from a governmental agency XXXX XXXX County Property Taxes ). Bank of America refused to take responsibility and acknowledge any wrongdoing. Bank of America failed due diligence to research information provided by governmental agency and evidence provided by this writer regarding their ( Bank of America 's ) claims. 
Bank of America 's proposed resolution to the complaints brought upon this writer involved dismissing the complaints, falsely justifying their stance and continue to deny responsibility or any wrongdoing on their part. As a result, this writer continues to face negative repercussions including assessments of late fees, being pursued and questioned about intent/ability to make payments towards their mortgage. This writer has provided Bank of America with numerous copies and evidence disproving their claims and yet they refuse to admit fault. In addition, Bank of America claims that a penalty/late fee of {$26.00} was assessed by the property taxes office. According to property taxes finance department records, Banks of Americas claim is false. Their attempt to collect additional funds is uncalled for and unsubstantiated. 

Documents provided to Bank of America : 1.copy of the XXXX County XXXX Department of Finance website information page whcih includes property taxes due date. Their phone number is XXXX. 
2.records provided by the XXXX County Property Taxes XXXX Department of Finance regarding the payments received for the year 2018. 
3. Copies of checks sent by this writer to pay porperty taxes 3.requested an audit to the records of XXXX ( contractor for escrow account monitoring ) 4.documents provided by the XXXX County Department of Finance response XXXX there was NO {$26.00} late penalty fee assessed by their office.

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 2019-06-19 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: NY

Complaint narrative:
Equifax is reporting I owe {$450.00} to VA XXXX XXXX. ( Veteran Affairs ). I disputed this account as paid by me and closed in 2016. Equifax is still reporting I owe {$450.00} so they did not remove the collection account. I personally called VA XXXX XXXX and they concurred all accounts are paid in full and closed. So I disputed it again with a Equifax and again they determined I still owe VA XXXX  {$450.00}. This account is paid in full and the derogatory remark that it is an open collection account is severely impacting my credit rating, job status and loan applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: SC

Complaint narrative:
I am a XXXX XXXX and open an account with Bank of America as I was attending college away from home. I open the account and everything was fine. I was sitting at home and a letter came in the mail stating I had deposited a {$5000.00} check from XXXX into my account which I never did as I did not have a job or ever work for them. My XXXX became alarm and said it was some kind of scam and my account was compromised. So she told me to go to the bank and let them know you never did that. So I did and I was told that they could no longer have my account open because of this. I do not believe that should have happen as I did not do this as this was my first year in college and my statements went to my parents address. I did have the app on my XXXX but never had I seen the check until a copy was sent to my home. I deserve to have an account and they protect me. I don't believe any money was distribute and I was not using the account as we started using the cash app they is very popular to get money to your XXXX XXXX. Bank of America is wrong.

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 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I took out a loan with speedy cash in XX/XX/2018 in the amount of {$680.00}. I was under the impression that I would pay back what I borrow plus $ XXXX {$50.00} based on the conversation I had with the representative before I applied for the loan. I had a series of unfortunate events to occur in my life that prevented me from making timely payments. I received a notice in the mail that speedy cash sent my account to collections with XXXX  XXXX. I was informed that my balance was {$1200.00} with an interest rate of 200 % APR. I was blown away by the amount of interest on the debt. I informed them that I was having a difficult time but in no way neglecting my financial obligations & desired to resolve the debt. I inquired about a settlement regarding the interest on the account. I was told that I they would not make any adjustments to the account. Some of the representative I spoke with @ XXXX XXXX were very rude. Everyone has bad days and because I have a delinquent debt doesn't mean you should be mean.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been trying to pay on this loan because it already has my credit messed up. I cant afford the payments and I have begged them to lower it for me. I want to pay it but cant afford what they are asking. It makes me regret even getting my degree and want to tell my children not to go to college because they harass you and you get frustrated and don't know what to do because I cant afford this. If I can pay XXXX a month, I know it will take a while for me to pay it off but it is showing them that I want to make payments. I keep getting fees added on and it just making the total larger and larger. I cant do this! I am XXXX   because I want to pay them and they are not willing to help me in paying an amount that I can afford. I see why people commit suicide due to things like this, I feel like I'm drowning when it comes to this. I NEED HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: TX

Complaint narrative:
IhaveattemptedtodisputethisaccountseveraltimeswithXXXX,Ihavewrittenaletterandalsodisputedonline.Butnoactionhasbeentaken.

AccountNameXXXXXXXXXXXXAccountNumberXXXXAccountTypeCollectionResponsibilityIndividualDateOpenedXX/XX/XXXXStatusCollectionaccount.{$5500.00}pastdueasofXX/XX/XXXX.


StatusUpdatedXX/XX/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 non-monetary relief
Consumer complaint received 2019-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
on XX/XX/2016, my husband and I purchased a home. We put down 20 % and have an FHA loan. We are currently paying {$220.00} PMI. We wanted to have the PMI removed because we now have over 30 % equity in our home. Our loan was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and is now with XXXX XXXX XXXX XXXX. I've requested the removal of this last year with XXXX XXXX but was denied. I don't think that it's fair, that a consumer who has more than 30 % of the equity in a home, have to continue to pay these fees.

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 2019-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I want to say i have live in the XXXX XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XX/XX/2019. i reach out to transunion/XXXX/XXXX plus XXXX XXXX. 2 creditor have removed and transuion is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to XXXX XXXXt ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was XXXX  outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in 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 2019-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
Our insurance is escrowed in our mortgage payment. Loancare did not make the insurance payment ( to XXXX XXXX ) and the homeowners policy expired leaving us uninsured. Our house was hit by lightening after Loancare let the policy expire. So we now have a claim and Loancare will not provide the same coverage we were paying them for ( through XXXX XXXX ). Furthermore, Loancare is only insuring our dwelling and because we have an open claim we can't get our own insurance policy to cover our personal belongings and we are not insured if anyone injures themselves on our property. 
The homeowners insurance policy expired on XX/XX/19. Lightening hit our house on XX/XX/19. From XX/XX/19 until XX/XX/19 we could not get any information from Loancare. Just that it took them that long to get us a policy for our dwelling only. 
XXXX XXXX a manager from Loancare said that it was not their fault that the insurance policy expired because they claim to have reached out to XXXX XXXX company but the insurance co  wouldn't release the policy.

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 2019-06-19 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:
Disputed an old record on my Experian account, from a separation/divorce. Account was from 1996, a total of {$2900.00}. This was on my account as resolved. I sent in a dispute to get it removed, as its the ONLY negative record on my account. After the investigation, which resolved NOTHING, Experian dropped my credit score 36 points for a closed/resolved account! All I wanted to do is get an old record off. 
Unacceptable automated responses, and nothing more. 

VERY UNHAPPY, as this is the only negative item on my account and it was resolved/closed years ago!

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 2019-06-19 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2018 Nordstrom/TD Bank Opened account for XXXX for 11mos Ive never used this card nor did I fill out and application to open this account.I have filled out a police report and a FTC.GOV report regarding this matter. I've called XXXX and they stated Nordstrom is comfirming this was my account. This information was reported to a childhood address which I haven't lived in 40yrs. also they are reporting a 1st payment was never received. I have resubmitted everything to XXXX for the fifth time. 
XXXX XXXX XXXX opened account XX/XX/2018 for the amount of XXXX this was removed then added back. Ive called requesting more information from both XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2019 I deposited a check in my account by mistake that I had previously cashed that same day. Prior to that day I had made deposits from XXXX, XXXX and XXXX the previous week. All of my money is being held by Citibank with no resolution or release of my funds because they put a fraud freeze on my account. I explained in detail what he happened to numerous people with Citi and no one can help me. It's been 3 weeks now and they still have my money. I dont know what to  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 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I have checked my Credit Report and I saw 1 account in collection with Aldous & Associates , PLLC regarding XXXX XXXX. I went to the gym around in XX/XX/XXXX to cancel the service and paid off all the balance I was owing. One year later I discovered the were taking money from my account without my knowledge. I called to my bank to stop those payments. I have not gone to the gym since XXXX. I can not believe they are trying to charge me {$83.00} more after they had gotten free money for more than one year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 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: ID Analytics, Inc.
State: MS

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiry. SageStream LLC.  XXXX XXXX pulled my credit report file from this company listed SageStream LLC.  This company is reporting incorrect information on my credit file and my credit score. Please investigate and remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have 2 Credit card Accounts with Citi Card and I have never missed a payment with them and the majority of the time I make more than the minimum payment. I also have several other credit cards as well with fairly high limits. I recently have made some rather large purchases with the intent of paying them off rather quickly in the next few months. I get an email from CitiCards for both of my Citi cards that they are decreasing my credit limit due to me making some large purchases on my other credit cards and my fico score decreasing. I called Citi Card and explained to them that I had made some bigger purchases than normal and that they would be paid off within the next 90 days and asked them to reinstate my previous credit limit and they refused. I even offered to provide proof of the resources that I have to pay off my total credit card debt. Since they based their decision based upon my XXXX report they could clearly see that I have never made a late payment on any of my accounts and that I have several accounts that have " XXXX '' balance. They still refused to reinstate my previous limit. This is going to have a very negative affect on my fico score, which is the very thing they are saying is their concern, it dropped to XXXX. With there decrease it will drop more. This is not right for a customer that has been operating good faith, never had any late payments nor derogatory remarks on their credit report to just indiscriminately make these changes. This will have a very negative effect on my credit score and interest rates for any future loans or credit should I decide to apply for another car loan or any type of retail purchase. Is it age discrimination due to the fact I am XXXX and they are afraid I am going to not live long enough according to their actuary charts. The only thing they would say was that their credit review shows that I have made some large purchases recently and based on their figures I am a bigger risk. But wouldn't expand on how they based this decision. I have the ability to pay off all of my credit card debt and can and will provide proof if needed.

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 2019-06-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Duvera Billing Services, LLC
State: CT

Complaint narrative:
I took a loan with XXXX XXXX on XX/XX/XXXX when I need necessary car repairs and had no other options. I signed an agreement and tried my best to make bi-weekly payments of {$71.00}. On XX/XX/XXXX I sent an email to the customer service dept. explaining I was having difficulty making the payments and could they please lower the interest rate or work with me to make smaller payments so I could pay back the money faster. They refused and I have been bombarded with text messages, and calls ever since. 

A recent text message offered me the chance to get my account back on track if I paid {$10.00} and then set up a once a month payment. I paid {$10.00} on XX/XX/XXXX and then had set up a payment of {$100.00} on XX/XX/XXXX and thought from what the email indicated they would be taking a {$100.00} payment per month going forward. However, they took {$71.00} on XX/XX/XXXX and tried to take the additional {$100.00} on top of that. I have contacted my bank to stop any further EFT withdrawals from this company as they seem to do what they want and I can not afford to have unexpected withdrawals from my account. 

I feel like this company is taking advantage of people who have no other means of getting assistance to pay for unexpected expenses and are just setting people up to fail with charging almost 100 % interest rate!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
I asked to close my XXXX acct when I move out to other rent house on XX/XX/XXXX. 
But they didn't close acct and took out money from my checking acct almost 1 year. 
When I found this I asked XXXX again close acct. and send my money back they took from my acct with their mistake XXXX. But they send me very very complicate form including police report, birth certificate, statement, proof ... .etc.to get out of their mistake. 
I gave up my money back and forgot about this incident. 
Now I found they put me in collection company from 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