vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I was reported to the credit bureaus as 30-days late, but the records I have of cleared checks from my bank shows cleared checks within the 30-day mark. When I talked to the representative today, she said that I have been paying the incorrect amount. However, I have not received notification that my payment amount has changed. What I usually do ( and what I believe most consumers who are busy with work and daily living do ) is looking at my " History '' online to see if there is anything wrong and by the way it appears online ( at least to me who is not a financial/accounting professional ) when I look at it every time, nothing seems to be wrong. 

The representative I talked to today collected {$150.00} plus a fee to make my account current. ( My life can be ruined by a {$150.00} amount ). When I looked at my checking statements, the checks were cleared by my bank. SO, it is hard to see the change in the payment amount, and I did not receive a clear notification by mail, email or even a phone call. That way, consumers can make sure we don't get reported to the credit bureaus which could be devastating for some of us especially for someone like me who is recovering from the recession and has worked long and hard to bring all my accounts current, and be reported for not informed of changes to my mortgage payments ( though, they keep sending computer-generated letters convincing me to either buy a new house or refinance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am trying to sell the two properties encumbered by this mortgage in order to get the mortgage debt paid off. There is a buyer and signed offer on one of the lots and the inspection has been completed. In order for the sale to proceed, it is necessary for Bank of America to allow a partial lien release such that we can guarantee a clean sale of the first lot to the buyer. Bank of America is refusing to do so. Allowing the sale of this first lot would result in Bank of America receiving more than half of what is due on the loan and they will still hold the lien on the second lot which is a buildable waterfront lot. Bank of America is not acting in good faith by refusing the partial lien release and by preventing the sale from going through. They are also jeopardizing my ability to procure a buyer for the property. 

This is not a duplicate of a previous complaint. This is a new complaint concerning Bank of America hindering the sale of the property to a third party.

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 2019-07-17 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: FL

Complaint narrative:
Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent

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 2019-07-17 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: FL

Complaint narrative:
Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: FL

Complaint narrative:
Account shows three different reports on all 3 bureaus. Incorrect data reporting and unclear billing. Very fraudulent

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 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA

Complaint narrative:
My husband and I have been customers of Prestige Financial for almost 6 years. In the beginning we have had a hard time paying this loan because of the fact that the payments were too high to begin with. At times they have been gracious in extensions and discounted payments. For almost a year we have been dealing with harassment for payment in the most degradable and despicable actions by their account managers. To me they seem to get a rush of satisfaction from this behavior. I can honestly say that the only person who has shown us respect were the repossession specialist. Over 8 months ago my husband had a XXXX XXXX XXXX, he is still suffering from that and has to have more XXXX. I have recently been diagnosed with an XXXX  XXXX that was coincidentally caused by XXXX. My husband is already on XXXX  and I am 7 months into my application for it. I understand that it is an attempt to collect a debt however this is and has caused XXXX  XXXX  and XXXX. Not to mention that when I told the account manager to wait until XX/XX/2019 to take a payment out he didn't heed the warning and he totally over-drafted our account twice and the bank won't give us the money back. These tactics must stop before they cause irreversible damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
A garnishment was presented to my credit union for a judgment against my wife, whose sole source of income is social security XXXX, which is protected from garnishment. Since it is a joint account, they took my savings. I contacted the law firm and explained this to them but they stated that they intended to collect the debt even though they know that its not her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
For the last XXXX months, whenever I've tried to pay my credit card bill online, the website gives me a prompt 'Payments can not be accepted at this time. Please try again later '. I contacted Synchrony via phone & was asked to pay via their automated phone system. However, this issue was never fixed, which is typical of Synchrony Bank. On XX/XX/XXXX, they reported a missing payment on my credit report, although I had made the payment on the very same day ( XX/XX/XXXX ). As a result, my credit score has taken a hit. I've a total credit limit of {$33000.00} across all my cards. My Synchrony Bank 's Paypal Mastercard 's limit is just a minuscule {$300.00}, and yet I'm bearing the brunt due to Synchrony 's shoddy systems & processes.

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 2019-07-17 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: FL

Complaint narrative:
I have contacted Equifax on at least 5 occasions to include a XXXX XXXX credit card on my profile. I have provided photo identification, my ss #, and a copy of the card. Because they have refused to update my profile, my credit score remains below 600 and I have been denied credit on several occasions. I have had the card for at least 4 years, yet my credit profile with Equifax claims I have no credit history. I have contacted them via letters, online disputes, and telephone ... ..to no avail. 

Please advise as to other remedies available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
I received a letter forwarded from a very old address for me stating I owed them money for a XXXX  toll bill.

I pay my tolls through a TX tag that is linked to the XXXX system and I do not owe the XXXX any money.

On XX/XX/2019 I faxed a request for them to validate the debt and a cease and desist letter ( attached ).

They never responded with a validation.

This morning, XX/XX/2019, they have called me over 30 times as of XXXX XXXX claiming they are collecting on the debt. A few times there has been more than one person on the phone and they pretend like they can not hear me.

This tactic is clearly meant to harass me and is in clear violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Card Acquisitions Group
State: TX

Complaint narrative:
Foster and Monroe have made calls day and night to my phone. At odd hours. Recent voicemail was left by XXXX XXXX who threatened legal action even though it has been 5 years. A company could no longer be able to sue. She said the county of XXXX XXXX will be contacting me. She called my actions silly. And when I had made a payment the link to the receipt/document is broken.

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 2019-07-17 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:
I called Equifax to dispute the accuracy of a XXXX car loan first date of delinquency. I explained that the first date of delinquency was XX/XX/2012, not XX/XX/2012. I also explained that the other credit bureaus, XXXX  and XXXX, had also shown that the first date of delinquency was XX/XX/2012. I was later told that the inaccurate information would stay on the credit report. I was disheartened when the representative told me that they did not dispute the information from the creditor. 

The Dispute Confirmation Number for Equifax is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC
State: TN

Complaint narrative:
I was referred to this company through XXXX XXXX which I took to be a reputable company because of the referral. I was skeptical because I have a chapter XXXX filed 3 years ago and sub par credit. 

I was granted a XXXX dollar loan which I expected to be a high interest loan. My complaint is that on top of the accrued daily interest they charge me they added XXXX dollars to the balance from day one. 

In looking at their terms more closely their rates and fees are not fair and are considered predatory in giving loans to someone who frankly cant afford to pay it off and I feel that is their game which ends up in collections where the balance due will balloon with fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, XXXX XXXX XXXX, XXXX XXXX. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this  XX/XX/XXXX. From Suttell & Hammer, P.S. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

XXXX XX/XX/XXXX XXXX XXXX was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX. 

This collection is not mine, be cause back in XX/XX/XXXXI was the most valuable customer in XX/XX/XXXX XXXX XXXX. Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: FL

Complaint narrative:
Only TransUnion is reporting this and is damaging my credit score. 2 other  bureaus has complied with the fraud on this charge

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 2019-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have the money to pay off the loan. I have been calling the bank since XXXX to pay off the loan but everyone I speak to will not help me settle the loan. They waste my time, put me on hold, transfer me, every single person verifies my identity then transfers me again, I get lengthy messages about how this call is an attempt to collect a debt when it is me calling them asking to settle the debt. I went to buy a truck and there is a USAA charge off showing on my credit for the original amount of this loan. I have had no other credit accounts in more than 7 years. The records I have for the last nine years show only 3 payments applied to principle. I have worked directly with the bank to resolve payment issues to keep the account current. I followed the payment schedule they recommended only to find nothing was going to principle. I nearly doubled my payments so that some of each payment would go to principle yet even with a few large payments to get ahead only 3 payments in 9 year were applied to principle. When I use the on line information to bring the account current and pay more than what shows due the account remains in past due status and nothing is applied to principle. I called the bank to ask how much needed to be paid to bring the account current and still the account was always behind. This bank has called me in the middle of the night, on holidays and six times in a single day while I was at work to harass me about this loan. The balance they asked for to pay off the loan is higher than the current statement balance and barely {$100.00} less than 9 years ago. {$17000.00} today down from XXXX in 2010 and up from XXXX in XXXX of this year. The bank has offered assistance and used that assistance to manipulate this into a never ending loan. I wish to negotiate a reasonable pay off. This started as a XXXX loan to repair the roof and paint the house I purchased. Based on all interactions with this company I can not make another payment on this loan until I have a clear written agreement that the bank will honor this payment to actually settle this debt and restore my credit to reflect the years that I have made payments to keep this loan current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was looking to trade in my XXXX XXXX XXXX in hopes of obtaining a used vehicle with a lower monthly payment. I was paying XXXX via BBVA Compass Bank. I spoke to representatives at XXXX XXXX XXXX of XXXX, TX and agreed to come in Saturday the XX/XX/XXXXto meet with salesman XXXX XXXX. I specified several times that I wanted to trade in my vehicle - not only to XXXX XXXX, but to the online agents I had contact with prior to coming to the dealership. XXXX informed me that XXXX XXXX XXXX XXXX XXXX whom I purchased the XXXX XXXX from XXXX overcharged me on my loan. He then stated he was able to get me a payment for the XXXX XXXX XXXX XXXX that I was interested in for under {$400.00} a month. I agreed. However, when it came time to sign paperwork, the payments were {$400.00} through XXXX XXXX. I figured that was okay because I would be saving about {$120.00} a year. I left with the XXXX thinking everything was taken care of on the dealership side. On XX/XX/XXXX, I received a call from BBVA Compass saying my account was past due. This was shocking because I did not have the car in question in my possession. The agent informed me they never received payoff from XXXX XXXX XXXX. I called the dealership that day and briefly spoke to XXXX who stated he would look into it and call me back. He never did. So for the past month and a half, I've been playing phone tag with various representatives at this dealership regarding my payoff situation. Today, I finally spoke with XXXX XXXX who is manager of the pre-owned sales department at the dealership. He informed me that I did not agree to a trade in, there is no trade-in in my paperwork and that I have two auto loans now. I was floored. I'm on a very tight budget ... living paycheck to paycheck. Information I provided to XXXX on XX/XX/XXXX. How can I afford two auto loans? Let alone pay for a vehicle I don't even own. I really feel I was taken advantage of. No one at the dealership XXXX XXXX or the agent I signed papers with in the finance office ) told me I would be signing up for a 2nd auto loan. I was just told how much my payments would be, when to come for my registration and plates, and whom the bank is. This has affected my credit score and my mental health. Can anything be done about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: CA

Complaint narrative:
Ive been trying to correct my credit report for the past 4 month because theres information on my credit report that does not belong to me theres account and inquiries that ive never done and never had and the credit bureaus wont remove it from my credit report ive sent all the documents and proof to the credit bureaus that these accounts and inquiries are not mines and still they wont remove it

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 2019-07-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax, XXXX, and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rose & Associates, LLC.
State: CA

Complaint narrative:
Daily multiple calls to my personal and work numbers regarding serving me legal documents I have told them not to call me at work. I have sent a cease and desist letter to the company name they provided however they continue to call. Today XX/XX/XXXX @ XXXX XXXX they called my work number and gave personal information out to my coworkers. I have repeatedly requested them to provide a debt validation letter and have yet to receive anything. I do not even believe this is a legitimate debt or company calling.

Company response to consumer: Untimely response
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am enrolled an income based repayment program. I work for a XXXX and my XXXX completed the public service loan forgiveness application in 2014. I have been making payments since that time. I renew my IDR annually and I ask how much longer until my loans are forgiven at that time. Last year I was told 6 years, this year I was told XXXX years! I spoke to a supervisor XXXX XXXX who stated I was enrolled in an income based repayment program but never the Public Service Loan Forgiveness plan and XXXX doesn't even handle that type of program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: FL

Complaint narrative:
Once an item reports as Included in Bankruptcy, any pay history and balance should be removed per federal law. However, ten of my eleven accounts " Included in Bankruptcy '' still reported late payments in the payment history on my Experian credit report ; the only correct one is my XXXX XXXX account which was updated yesterday per a a separate issue. I do not have this issue with XXXX XXXX or XXXX. See the attached abridged credit report I obtained today online from experian pertaining to these accounts.

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