vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Consumers Inc
State: VA

Complaint narrative:
I have paid the debt in question and have documentation to show it is paid. Also, the collection was initiated by XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX did NOT notify me the debt was being sent to collections. Original date of billing was XXXX/XXXX/XXXX for multiple service for a XXXX XXXX. Payment of the {$400.00} was recorded by XXXX XXXX as seen on accompanying documentation. The debt collector has call our home phone identifying themselves as a debt collector but offering NO information as to who the debt was against and who it was the original collector. Today XXXX/XXXX/XXXX I received a letter of collection for the first time, I attempted to use XXXX all it was an automated system that kept repeating I owed {$400.00} would I like to pay ... ... No interactive conversation.

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 2017-12-27 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: NJ

Complaint narrative:
There is an account on my credit report listed as XXXX XXXX with a balance of {XXXX} that I have never had/nor opened an account with at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I recently checked my XXXX card and my credit report, and noticed that EVERY time I made a payment, my credit report always showed me at max limit. My opening line of credit was {$1900.00}, now it 's at {$1600.00}. So whenever I make a payment. my credit limit is decreased which makes my credit score lower. I WAS NOT NOTIFIED OF THIS ACTION AND THIS IS UNETHICAL! 

XXXX needs to fix my history regarding my credit report. I should not be showing MAXED out credit becasue they have chosen to lower my limit with every payment. I believe this may be against the law. I need this fixed immediately and I do n't know how they are going to do it, but I do not want my card closed or frozen. I want my credit limit raised enough to show that I am indeed NOT maxed out on my XXXX card.

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 2017-12-27 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: HI

Complaint narrative:
I first contacted Equifax on XX/XX/XXXX about my account showing a bankruptcy with the verifying contact being the U.S. Bankruptcy Court of XXXX. I then wrote to the Courts to verify this information and they sent me a letter saying that " WE DO NOT REPORT TO THE CREDIT BUREAUS ABOUT ANY INFORMATION FOR CONSUMERS ''. Equifax responded by saying they now confirmed the information with a 3rd party company names XXXX. 

I wrote to that company on XX/XX/XXXX and received a letter from them saying it was reported incorrectly and will be removing it from their records.

on XX/XX/XXXX I then wrote back to the XXXX people with information from the courts and not reporting that information to them as well as the NEW Information I Received from XXXX about taking the bankruptcy off of their records. 

For good measure, I then wrote to Equifax once more with all INFORMATION FROM THE BANKRUPTCY COURTS AS WELL AS THE XXXX XXXX ON XX/XX/XXXX. to which I am having as a response once again from Equifax saying they VERIFIED THE INFORMATION TO BE CORRECT FROM XXXX I ASK YOU HOW CAN THAT BE AS THERE IS NO SUCH INFORMATION FROM XXXX XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: VA

Complaint narrative:
Disputed items with XXXX, Transunion, and XXXX, all three came back as verified. XXXX XXXX XXXX had a write off bad debt. I have called XXXX XXXX about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is XXXX and Transunion still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX XXXX by both XXXX and Transunion. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX XXXX can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how XXXX and Transunion verified these accounts and they need to be 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 explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Current status, I have 3 loans through Navient. They are currently in grace period, but I have been making payments. 

XX/XX/XXXX - I paid {$2000.00} towards my loans. Navient withdrew {$2000.00} from my account and only applied {$1500.00} to my principle and interest. My Navient account reflects I only paid a total of {$1500.00}, however, my bank account is reflecting {$2000.00} has been withdrawn and the other {$500.00} has never been applied to my loans or refunded. An email from Navient on the date of payment reflects {$2000.00} was paid despite only {$1500.00} being applied. 

XX/XX/XXXX - I paid {$1000.00} towards each of my 3 loan accounts ( {$330.00} to each ). Again, Navient withdrew the {$1000.00}, but only applied {$330.00} to two of my accounts, totaling {$670.00}. I have the email confirmation of the {$1000.00} payment being received, and my bank account reflects the withdrawal by Navient with no refund of the unaccounted for {$330.00}. 

When I called about this issue, I was told that I only paid the amounts that Navient applied and that they refunded the unapplied amounts ( which is not the case ). I called again and was told, " my manager said that the money is not showing on your account because it was automatically applied to the principle. '' This is complete deception, and fraud, by this loan servicer, as there is absolutely no evidence that funds in question were applied to any of my debt, although they were withdrawn from my bank account and never refunded. 

If I looked beyond these two events, I 'm sure that my account would reflect more fraud by Navient. I will provide emails of payment confirmations and bank account withdrawals that reflect exact amounts on confirmations to compare to the inaccurate numbers on my Navient Account History page upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A {XXXX} deposit was made on XXXX to a Bank of America branch in XXXX XXXX, CA to a checking account. The deposit was made via check. From this amount {XXXX} was withdrawn on XXXX at a Bank of America in XXXX, CA in the form of cash. Before the money was withdrawn I requested the teller to make sure the check which was deposited had cleared so the money could be used. The bank teller confirmed of the check having cleared. The {XXXX} was deposited in another bank. An hour after, I proceeded to make another withdrawal at Bank of America and my accounts were zeroed, because there was a stop payment placed on the {XXXX} check. I advised the other institution that Bank of America put a stop payment on the check, therefore, I demanded the {XXXX} to be returned to me. Bank of America over-drafted my account which is owned by my dad and I. Therefore, Bank of America is liable for releasing money on a customer 's good standing. For decades Bank of America has been advised to never release any money on any check if it has not cleared. Therefore, Bank of America is responsible to safe keep our deposits. Good standing of a customer will not stand on any withdrawal if a check has not cleared. The request has been made for many years and it has been ignored. There 's an overdraft of {XXXX} on one account, which Bank of America released on our good standing with the bank. That will not stand. I feel that none of my accounts are safe with Bank of America if that is their policy, and I was never advised of that. This is misleading to customers, when the good standing practice is used by the bank and money ends up in the account of somebody else.

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 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
Our mortgage was recently sold to Select Portfolio Servicing, inc. We had XXXX which sold our mortgage to Select Portfolio. We had XXXX XXXX which was renamed to XXXX because of the complaints coming in because of their intimidation toward their customers. 

Select Portfolio Servicing was calling our home when our payment was not even late. It was not past 30 days at all. We are now receiving letters stating we are late and trying to state that our loan is in jeopardy and I have already paid it. This letter was received XX/XX/XXXX. 

I told them when they called, do not call me again. Today, we received this letter, when the mortgage was paid. 

These mortgage companies are harassing their customers when they have never been late. This has to be against the law. We have never been late by 30 days ever. This harassment by these mortgage holders has to STOP. 

By law, they should not have the right to intimidate!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: GA

Complaint narrative:
TransUnion and XXXX removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on 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 explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: MO

Complaint narrative:
I received a loan from XXXX ( owned by BlueChip Financial ) in XXXX 2017 of {$300.00}. I did n't realize at the time that I was signing up for a loan with such an absurd APR and payment terms of 10 months. I have paid a total of {$730.00} against my borrowed {$300.00}. Of that total amount paid, only {$49.00} was applied to the principal balance, while the remaining {$680.00} went towards the interest fees. I have also recently learned that XXXX is a tribal lender, which is illegal in the state in which I reside, Missouri. Neither BlueChip nor XXXX are licensed lenders in my state, so the contract I signed is null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a capital one credit card. Harvey hit back in XX/XX/XXXX and at the time after I had to make a new checking account. This card has always been in great standing and is paid on automatic draft. In XX/XX/XXXX I paid over XXXX to the card but forgot that I had to switch my checking account with everything going on with the disaster. capital one ended up saying I missed about even though I paid over {$500.00} XXXX and marked it to my credit. I am asking this be removed due to it affected my score and I have always been on time and # 3 I had already made a {$500.00} payment instead of {$24.00} Thank you for the help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: AR

Complaint narrative:
Experian continues to report a XXXX XXXX account on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything. I contacted the creditor which is XXXX XXXX and they sent me the attached letter stating that they are unable to find an account for me. THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY EXPERIAN CREDIT REPORT IMMEDIATELY!

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 2017-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN

Complaint narrative:
Bayview loan servicing, not reporting our current mortgage status, we own our home, Bayview showing on our credit bureau history, we lost our home in s chapter XXXX Bankruptcy discharged on XX/XX/XXXX. We have been current with our mortgage, and due to an attorney error, s letter to reaffirm our mortgage debt was not filed withBayview, s letter of intent to keep this debt, as well as s car was filed. This error was not found by Bayview or myself till I pulled s credit report almost s year after Chapter XXXX was discharged. Bayview refuses to report to credit bureaus accurate information, due to the missing reaffirmation letter. We modified our mortgage XX/XX/XXXX We pay on time, but Bayview continues to show we lost our home in a chapter XXXX Bankruptcy! I have since sent them the copy of the reaffirmation of debt letter, my attorney is no longer employed with the law firm we used. I have sent all three credit bureaus, 10 years of payment history on our mortgage, deed, ad well as property tax statements. They will not change info on credit report. Bayview loan servicing, had recieved the documentation and continues to not report to credit bureaus. This is wrong.. they will not work with us due to human error. We pay our mortgage every month, have for years, but on our credit report Bayview shows we are not home owners! This is bad business practice. Our credit report needs to reflect that we are home owners and we pay on time. I have sent the reaffirmation letter to there company, but they will not acknowledge they have recieved it. They are a very disorganized company, and our credit is being destroyed. They need to correct our credit report, we did not lose our home before, during or after Bankruptcy. Our home and vehicle are exempt under BK laws. They new we had no intentions of losing our home. Bayview loan servicing are disorganized and take weeks or even months to handle complaints. I have been fighting to get our home ownership back onto credit file for almost three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
In XX/XX/XXXX, I called to talk to DITECH regarding my escrow increasing from an escrow analysis performed in XX/XX/XXXX. They were increasing my mortgage payment due to an escrow increase. I asked them why they paid my taxes in XX/XX/XXXX when it should have been a XX/XX/XXXX for XX/XX/XXXX. I told them that paying early effects the low point in the calculations and they said it would not happen again. Come XX/XX/XXXX I  found that they paid it again over 60 days early instead of XX/XX/XXXX when the payment should have been applied. This directly contradicted the escrow schedule provided in XX/XX/XXXX. I called them and asked for an explanation on why this occurred again. They said someone from Escrow would call me within 3 weeks. I waited the 3 weeks and no return call or correspondence came. I did however receive a notice that they were transferring the servicing of my account. This just seems like they transferred me out of retaliation when I was questioning them for manipulating the numbers to get more money out of me. I know they can have a cushion of 1/6 your annual escrow payout, and that they can bring the lowpoint to the cushion level. I feel that they are intentionally manipulating the numbers by estimating payments in one month but paying early to increase the lowpoint difference. I feel this is a shady business practice and down right predatory as we have no say in the transfers of servicing. Now I have to deal with the ramification of their miscalculations with another service provider. Since they have sold it, it now shows my lowpoint as XXXX when it should have shown a balance of XXXX which means they will charge me more money to bring up the lowpoint to the cushion. 

They need to be investigated for fraudulent manipulation of escrows as I am sure I am not the only one whom has had them do this. 

Also I think retaliation is a big issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: GA

Complaint narrative:
XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on 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 explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, my wife and I closed on our loan for our home. It was to be a conventional construction loan and per the closing disclosure we were not to have an escrow account. From XX/XX/XXXX, toXX/XX/XXXX, we did not receive notification of any changes to our loan until we received a XXXX package on the front doorstep notifying us that we owe over {$7000.00} to finalize the loan. We were not notified of this amount previously and the communication from the company was only the interest bills that we were aware of and paid. I began to dispute this with the company in XXXX, it was not until XX/XX/XXXX that we received another XXXX package on the doorstep in which they state we owe over {$8800.00}. According to our closing disclosure, they opted out of us having an escrow and are now attempting to force into one with a large sum of money due to them immediately. We are not the only family to deal with this as we have met others with the same issues with this company. They have recently told me that the loan was not a conventional loan, but a XXXX XXXX loan, which is not disclosed on the closing documents. We have been told numerous things for them to change later. This company has lacked communication and lacked the ability to follow their own documents and force the consumer into large amounts due without notice.

Company response to consumer: Closed with explanation