vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
We experienced a financial hardship after Hurricane Florence and have letters from XXXX XXXX XXXX stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, XXXX XXXX XXXX falsely reported to Transunion that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from XXXX XXXX XXXX during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.

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 2019-08-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
On Monday XX/XX/2019 at XXXX EST I spoke with XXXX XXXX in the Rate Reduction Program Department. I advised her of my concern. She asked a couple of questions regarding my request to apply to the rate reduction program. Follow a brief hold she provided the results of the review. I was not satisfied as the rate of 5 percent increased to 8.5 percent. Once I challenged the rate increased her behavior became very aggressive thus making me become very assertive. She would not provide any details around the rate reduction programs and declined to provide any feedback around the changes to the program, noting this she does not have to disclose that information to me. I feel Navient/Sallie Mae takes advantage of their clients. As a result my payment has increased from {$430.00} to {$530.00}. This is absurd and I don't know how to combat this. I was very vulnerable so I gave in to the new payment as the regular payment is around {$700.00} a month. Please Help!! Sallie Mae/Navient is really taking advantage of their clients. I don't know how they are allowed to continue to service loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed account number XXXX is reporting to XXXX, XXXX   and XXXX credit bureaus.I would like the account removed because it contains 3 yr old lates that come from the time when I experienced ACTS OF GOD that prevented me from properly handling my loan obligation.I have an understanding and knowledge of the fact that the bureaus and creditors have not held their customers accountable in time of '' natural disaster '' from'ACTS OF GOD '' that affected the consumers ability to meet their loan commitments.I HAVE EXPERIENCED AN ACT OF GOD AND OCCURRENCE SO SEVERE AS TO MAKE ANY NATURAL DISASTER LIKE A FORREST FIRE SEEM MINOR. 
My recently deceased, divorced father had terminal XXXX. 
There was no one but me to care for him, pay his rent, make all medical decisions, and feed, clothe and bathe him until the end. 
At the time of my lates it was a time period of surgeries, some elective and experimental to save his life.I was younger and overwhelmed with the constant hospital environment and the life or death gambles I was making on my father 's behalf. 
I was late on my loan commitment but caught up quickly. 
Please be a real human being and remove my account as the lates are devastating to my young credit and the fact that I truly did have solid mitigating circumstance, ACTS OF GOD to cause those lates.

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 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-08-20 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: BB&T CORPORATION
State: NC

Complaint narrative:
We experienced a financial hardship after Hurricane Florence and have letters from BB & T stating that we were approved for Forebearance starting in XX/XX/XXXX through XX/XX/XXXX. We sold the house on XX/XX/XXXX. On that date, BB & T falsely reported to XXXX that we were 120-149 days late which made my credit score plummet. We called repeatedly during the Forebearance to make sure that no payments were due and that everything was good. They reassured us all was well. I am very upset about this. This will take time to fix and until then, I will be wrongly penalized if I apply for any credit. 

Not only this but we continuously received letters from BB & T during the Forebearance telling us we were in default and that actions would be taken if we didnt pay the outstanding past-due balance. That was very misleading and when we called them, they asked us to ignore those letters as they are system letters. These should NOT be sent to customers like us who followed the correct process and continued to receive incorrect letters.

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 2019-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2019 I contacted Capital One Banks corporate office in XXXX Delaware about an issue with my statement. I am old school at XXXX and do not want that information on my devices. They changed up the accounts with the old statement cutting off mid XXXX and the new one I received starting XX/XX/XXXX. I asked for an e-mail or hard copy of the missing transaction period and my request was denied because my husband is the primary. This is a joint checking account which was mine before we were married 37 years ago in XXXX. The bank has sold several times but at NO time did we designate a Primary account holder. If we had, it would have been me because my husband depends on me to take care of our finances. The point though is that this is discrimination. He was arbitrarily chosen because he is male. What if he died. I could not control my banking. Conversely, if I was primary and he died then he could not control finances. That is why people set up joint accounts as XXXX OR XXXX. Just because you have a new computer system does not mean you can make financial decisions for people. I do know that I could set up the account on line and have access but do not believe forcing people to expose themselves in this way is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: GA

Complaint narrative:
There are several accounts on my credit file that I did not open. I'm not sure how these companies allowed someone to open accounts without my consent. I would like for the several companies to please provide CFPB and myself the applications used to obtain credit and along with a copy of the identification that was used. XXXX, Transunion and XXXX has reported this information to my credit file in error. The account are as follows : XXXX/XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX and XXXX XXXX XXXX. Also there are many inquiries on my credit report as well please remove them as well from XX/XX/XXXX,XX/XX/XXXX and XX/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 explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I called Citizens One Bank on XX/XX/19 after receiving a letter stating I could refinance my student loans at a fixed rate of 3.45 %. In the past I had refinanced my wife 's student loan with Citizens One and wanted a better rate. I gave all of my information to the representative I spoke with ( both my wife and myself have little debt and high credit scores ). I was told the best rate I could get is 5.99 % on a 5 year term. I disconnected the call, but decided to call them pack and pursue a CFPB complaint for a " bait and switch '' scenario. With my financial information I provided there wasn't any reason why I should NOT qualify for their best advertised rate. I spoke with XXXX XXXX and began the conversation informing him that I needed some information for the CFPB complaint. He was very helpful and asked if he could help. We walked through the same numbers over the phone and I was suddenly able to get the fixed 3.45 % rate. XXXX was so helpful, that I decided to request to pull in the remaining balance from my student loan and consolidate it. XXXX set everything up and the loan was approved. I informed XXXX that both student loans were on auto-pay and they were getting paid in a couple of days. Upon reviewing the Loan Approval Letter, everything looked fine except for " Optional Service Charges '' may apply. Nobody at Citizens One can tell me what that means, and they've refused to remove it from the contract. I spoke with XXXX XXXX who was one of the representatives ( after escalation ) that couldn't answer me what " Optional Service Charges '' might apply to my account. Additionally, the loan amount is now going to overcharge both student loans - and I've been informed that overpayments get applied directly back to the outstanding new loan balance ( at date of disbursement and no monetary loss to me ). However, when I questioned why on paper do they have to show me borrowing more money than I'm asking for - they informed me it is because their application policy permits up to 60 days for people to accept their offer and must account for accrued interest in that timeframe. I suggested that the only loan outside of their control ( my XXXX loan ) has a 10 day early payoff amount that will not fluctuate, and a logical solution to this ( in an effort to report ACCURATE information to credit bureaus ) would be to provide me with a revised contract showing the ACTUAL payoff amount - and limit their contractual offer to 10 days. This would leave adequate time for their rescind window and payoff. This option was presented and the company is looking into it, however it appears doubtful the company will move forward with an offer of the ACTUAL amount to pay off/refinance both loans. I read this complaint on a recorded line on XX/XX/19 to XXXX for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please tell me why Equifax scores my credit XXXX points lower than XXXX, is very slow at raising my score, and will drop my score by several points immediately if my balances rise on any of my accounts. Is Equifax paid to suppress people 's credit scores??? Who pays these people? This is a genuine problem and I am sure I am not the only one that this happens to ALL THE TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
Nationwide recovery service keep calling my phone threaten to file legal suit against me and damage my credit they keep daily calling me from different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2015, XX/XX/2015 to XX/XX/2015, XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Last Wednesday XX/XX/2019 I started receiving calls on my cell phone (# XXXX) from a company  named Navient (they are apparently debt collector for student loans). I blocked the number immediately after the second call received Friday  XX/XX/XXXX. During this last call I told then that they have the wrong number (in fact I got this number only a few months ago) and to quit calling me. Obviously they did not. This morning XX/XX/2019, they called me for maybe the 10th time, at XXXX XXXX. After a few minutes (at XXXX XXXX) I called them back and told them to quit calling and harassing me, because:
1) It's not my debt
2) I never had student loans. By the way I am XXXX and moved to the US at the age of XXXX, took some classes in college for FREE because my ex wife was a teacher at that college, but I did not tell them this detail
I was pretty upset and told them TO NEVER EVER CALL ME AGAIN, or I would file a complaint with the FTC and the Police for harassment. The person on the phone assured me that my phone was removed from their list. Guess what? They called again at XXXX XXXX Now it's about XXXX XXXX (Central time) and I guess they are going to call again. I am also ready to file lawsuit in state court asking for XXXX for EACH call after the one I have received at XXXX XXXX today, as statutory damages

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX, XXXX., the attorney representing the lender, emailed our attorney, XXXX XXXX XXXX, XXXX. and stated : " Good morning, Per our client, below are the items still missing to complete the package : 1. Please provide updated 4506T/EZ provided is expired.

2. Please Provide Sign and Dated Profit and loss Statement. 
3. Last 2 months business bank statements '' On XX/XX/XXXX we provided the specific information to XXXX XXXX and her client as requested via email and by court filing in our foreclosure case, XXXX XXXX   XXXX in XXXX County, Florida. We have heard no response from lender. At the time the documents were furnished to complete the Loss Mitigation Package, it was more than 45 days before a foreclosure sale which has been set for XX/XX/XXXX. Pursuant to the protections of 10 CFR 1024.41, the  lender is required to determine completeness, communicate with borrower, and review it for loss mitigation options. No communications have been received. It appears that the lender is willfully in violation of the law in refusing to respond to our loss mitigation package.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collins Asset Group, LLC
State: GA

Complaint narrative:
I am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers. 

Per the Notice of Furnishers Information they must comply because of the inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for reporting false public records, fraudulent accounts, incorrect addresses, outdated negative information and unauthorized inquiries on my credit file in violation of my rights under the Fair Credit Reporting Act. I have been a victim of identity theft and the items listed on my credit report do not relate to any of the transaction that I have made or authorized. I have provided Experian with police report and Federal Trade Commission identity theft report on numerous occasions.

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 2019-08-20 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
by XX/XX/XXXX I request to Wells Fargo review an inaccuracies in my credit report, I gave 30 days, they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting to Equifax ; XXXX and XXXX two ( 2 ) collection accounts. The first collection is for {$87.00} partial account number XXXX ; and the second collection is for {$130.00} on partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) I have insurance, please see copy of attached insurance card, however XXXX XXXX XXXX never billed the insurance company and because of this error on their part, these accounts were never paid and consequently these accounts were sent to collections. I do not owe the {$87.00} collection nor do I owe the {$130.00} collection. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
Do have dates but I know well and that bill was not incurred by me, would glad be would come off my credit report in order to use my credit again for business and other things.

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 2019-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
XXXX acquired our mortgage and was charging our escrow account PMI even though our closing disclosures and transmittal paperwork showed that we were not supposed to be paying PMI. We received a notice and an escrow analysis showing that our escrow account was in the negative and XXXX was going to raise our mortgage payment by approximately {$400.00}. We contacted XXXX in XX/XX/2019to correct this error. A case was opened to remove PMI and have the escrow account refunded as we were never supposed to be paying PMI. We have been battling with XXXX for months now to correct their error. Their customer service is horrible. They do not follow through with their customers to help resolve issues. We have provided them with our closing disclosures to prove that we should not be charged PMI and also compared them to the documents they have on file. All of these forms support the fact that we should not be charged PMI. It is now XX/XX/2019and there is still no resolution. We have made our payments to them and they are holding the funds without applying them to our loan, which has made our loan appear delinquent. We have called them numerous times and been given the run around. We were assured that this issues would be corrected and it is still unresolved.

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 2019-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: NC

Complaint narrative:
A collection agency named Tek Collect Inc just reported a {$2400.00} collection account on my credit report. Before this account appeared on my report, I did not receive my written 30-day notice to dispute. By reporting this debt without providing notice, Tek Collect violated the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation