vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
My Capital One credit card is 178 days late. We have fallen on hard times. My spouse is ill and can no longer work, we have ill family that has had to move in with us and we are living on limited funds, these are things that have developed since the credit card charges. We do not qualify for any state assistance. So I have been paying what I can, when I can, just not the amount they are requiring to be considered current. I have been notified that my account is days away from being charged off. So on XX/XX/XXXX I contacted Capital One, I asked them for a payoff amount, they offered for me to pay {$9800.00} as my pay off amount. They would only take off the interest, nothing off the principal. They did tell me that sometimes they will reduce the principal and that would mean they would send me the XXXX tax form for principal debt greater than {$600.00} forgiven by cc company. But never attempted to negotiate with me. I asked them if there was any way I could get a reduced amount. All they offered me was a payment plan of {$3800.00} due by XX/XX/XXXX, {$3000.00} due by XX/XX/XXXX, and {$3000.00} due by {$3000.00} to avoid account being charged off. I made it clear that was not possible and would like to settle my account and close it. I asked if there was someone I could talk to that could work with me to settle amount owed. Was given no further assistance was told he knows times are hard and he was sorry for me, and that he will pray for me. I tried reaching out again on XX/XX/XXXX to settle account, this time I was told pay off was over {$10000.00} and was given a number for their higher authority. I am extremely frustrated, I just want to close my account and try to reach a settled amount, all they are encouraging me to do in stay in my current payment program with them so I can get my account current and continue using my cc. I know this is my debt, and I know that it is my responsibility, I am trying to take care of it, It just upsets me that they would rather charge off my account off to a debt collection agency for a reduced amount, but will not help me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: MN

Complaint narrative:
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX Transunion 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 2018-02-20 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: MN

Complaint narrative:
A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
XXXX XXXX aka. Wells Fargo. 
I purchased a large item and to get credit the seller started this Wells Fargo account with my permission. 
The account was always paid on time. 
I did a balance transfer to pay this card off. 
After the final payment went in I checked the account on-line around XX/XX/XXXX and the account said {$0.00} balance. If there was a balance at that time I would have paid that also. 
Balance transfer payment was sent on XX/XX/XXXX.

Wells Fargo acknowledges receipt on XX/XX/XXXX The due date for the payment was XX/XX/XXXX Wells Fargo never sent another bill in the mail after I tried to pay this account off. 
They assessed interest on the account before the payment went in. Then charged me a {$38.00} a month late fee. They said they contacted my wife and made payment arrangements but never received a payment. This never happened. My wife never talked to them. The only way I found out about this account being delinquent was seeing my complimentary credit score on my other card bills going down so I got curious as to why and requested a credit report from XXXX. After I found this account was posted as 120 days delinquent, I called Wells Fargo to settle the debt. By this time an account that was supposed to be paid off was sitting at around a {$200.00} balance. I spoke to a Gentleman in the collections department and told him I was not going to pay {$200.00}. He said that he would take a {$140.00} payment that day to clear the account. I asked him if I paid that day, if they could remove at least some of the late payment entries on my credit report since this whole late thing and the balance was up for dispute. He said he would submit a letter stating that the balance amount was disputed and that was why it was not paid until this payment. I also submitted a dispute with XXXX which only came back as paid with all of the late payment entries still on the report. I acknowledge that the payment came in late and that I initially owed them a small interest payment and the first late fee. However I checked this account on-line and it said XXXX balance. I did not know the payment came in late until I called Wells Fargo about the credit report. I feel like I was basically set-up because as I stated above, not one more bill or statement arrived in my mail after I tried to pay this account.

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 2018-02-20 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I monitor my credit scored via XXXX XXXX and noticed that Equifax ranking of my credit worthiness had plummeted. I did not sign up for any credit cards, cars, homes or anything that could possibly explain the drop. I went on line and found an email address and phone number. I called and after almost 45 minutes on hold I finally spoke with a rep in another country with limited language skill and other than selling me one of Equifax packages could do absolutly nothing. To date I have spent almost {$200.00} to have various reports and analysis done with NO results ... I just ended a chat session with someone from their web site and was again told to contact the toll free number where I would again spend hours with no help. I asked for an address to write Equifax and was told i had to call customer service. 

Given their lack of security and illogical ways of dealing with issues when brought to their attention I find it dumbfounding that they are allowed to operate let alone be entrusted with something as intimate and vital as someones credit worthyness. 

The only thing that I could see on my report was an inquiry from more than a year ago I didn't recognize and that they have an home I purchased to stay in while in Florida on business and not my home I co-own and have lived in for more than 20 years. Again, I can not find any means to even explain this in writing let alone be so privileged to actually speak with someone from a company doing so much harm to my financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have tried to initiate 2 separate disputes and Equifax will not investigate. I have the return receipt from the USPS where my letters were delivered to Equifax. They are also reporting incorrect information and refuse to even look at my proof. This has been going on since XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX  account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.

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 2018-02-20 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 — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I checked my XXXX XXXX account online to check my latest charges. I was amazed to see a pending charge of {$89.00} from Experian which I never made. The only time I previously contacted them was in XX/XX/2017 to put a freeze on my account, which I paid {$5.00}. I tried calling them, and was told the wait time was greater than 1 hour. I checked some of the websites and seen that there are many others going through the same issue. Many of them complained about waiting as much as 2 hours just to have them hang up on the caller. It sounds like many people just give up trying to get the charge removed. This is just pure theft and the company should be prosecuted. I don't intend to let them get away with this. My next step is to contact the local TV XXXX for them to bring this to light. Please help.

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 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: OH

Complaint narrative:
I am scheduled to close on a mortgage for a new home on XX/XX/XXXX. I haven't received an updated Closing Disclosure since the beginning of the loan process and have requested it several times. Since the beginning of the loan, the closing date has changed ( causing per diem interest to be owed ) and the appraisal has been paid for out of pocket by me. In addition, the escrow amounts have been adjusted. I need to know if I'll have enough funds for closing and am concerned. My requests for a new CD since XX/XX/XXXX have not been fulfilled. Instead, the loan officer and loan processor continue to say that they are awaiting further details in order to provide a CD,  like the HOI. This is minor and a CD can and should still be provided based on all the other changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX, XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XX/XX/XXXX - new home insurance policy took effect with XXXX XXXX XX/XX/XXXX - i called PNC spoke with XXXX - notified them of the new carrier and to NOT pay XXXX This policy was not executed as it was only a quote we received from them. 
XXXX entered these notes and indicated that they had not received anything from XXXX. 
XX/XX/XXXX - received an escrow shortage statement with a home insurance payment in the amount that matched the XXXX quote - no indication of payment to XXXX. 
XX/XX/XXXX - spoke with XXXX XXXX at PNC - she indicated a payment was made to XXXX on XX/XX/XXXX and a payment was made to XXXX on XX/XX/XXXX. PNC paid 2 annual premiums in a span of 5 days even though I had already informed them of who to pay and who NOT to pay. I was given no explanation as to why my notification was not followed. Now my escrow account is over drawn and PNC wants additional funds. It is over drawn because they paid 2 different companies full annual premiums. I now apparently have to follow up with XXXX to get the incorrect payment back from them and then figure out how to get MY money back to my escrow account. 
PNC has totally failed in managing my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
This student loan was issued through Navient on XX/XX/04 for {$70000.00} with an interest rate of 4.25. 
Granted, I had quite a few late payment fees the first years of payments, but I have been paying this loan for 14 years and I still owe {$41000.00}. I tried to go back and figure out all the interest and the payments and the late fees, and I just don't think the payments were right. I could be wrong, but it didn't seem right with the interest charges. I did call Navient, and got a very vague answer, which made no sense. I have heard that Navient has had multiple complaints, and a few lawsuits. 

Can you help me? 

The account number is : XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio recovery refuses to acknowledge my letters and disputes. They bought an account from XXXX XXXX that they insist was opened by me. It was not opened by me. They are nothing but vultures preying on innocent people. It almost seems like extortion, they report this negative information, which brings down my credit score, until I agree to pay for something that is not mine. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis.

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - 12 CONNS RETAIL 2 ) Account opened -  XX/XX/XXXX 3 ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at Conns Furniture Store for my brother. I put a Flat Screen TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX   in hopes that he would get clean. He has been in and out of XXXX  and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the Conns Purchase back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/XXXX I got served with a summons ( no court date ) by plaintiff and debt collections agency, XXXX XXXX , XXXX, stating that I owe them over {$17000.00} in damages from a student loan opened in XX/XX/XXXX for The XXXX XXXX of XXXX ( branched from XXXX XXXX XXXX of XXXX XXXX XXXX ). This is the first I have heard of XXXX and this loan, which prompted me to do research, initiate XXXX XXXX, and reach out for help ( I have notes of companies I traced back to as well as names of individuals I spoke with ). The complaint included a copy of a Loan Agreement with my signature, but once again, I have no recollection of this document ever existing. The XXXX XXXX have all been shut down due to a lawsuit against XXXX ( XXXX XXXX XXXX ) involving fraud in their financial department, and I believe it may be tied into all of this. XXXX itself is nonexistent on my credit reports but previous holders, AES ( American Education Services ) /XXXX, are. I have been given different information each time I spoke with AES except : the AES/XXXX account was opened in XX/XX/XXXX then closed in XX/XX/XXXX, which they say was when I last made payments ; however, I have not made ANY  payments to this account whatsoever! I only have two loans, both for XXXX XXXX XXXX of XXXX : one private ( XXXX  ) which was charged off, and one federal ( XXXX ) which I am currently paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Found a credit card debt I don't recognized from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX   in the amount of {$670.00}. Seen reported on XXXX, XXXX and XXXX. Creditor information : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Upon reviewing my payment history with my mortgage loan ( one of the attached documents ), I noticed several discrepancies that seem out of the ordinary, and that no explanations have been offered by the loan servicing company, Bank of America.

1. Excessive payment of homeowners insurance premiums throughout the life of the loan. ( Ive attached a spreadsheet with the information. ) 2. Adjustments made on XX/XX/2014 ( page 10 on the loan payment history document ). Before the adjustments the principal balance was {$210000.00} and after it was {$220000.00}. Thats a jump of {$12000.00} with no explanation.

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