vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Chaparral Inc
State: OH

Complaint narrative:
they have written the debt off and it has been removed from my report. Yet still run hard inquiries on my credit every month. This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! 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 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX  refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX XXXX part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! 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 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Received Letter dated XX/XX/XXXX from XXXX XXXX XXXX ( Home Improvement Account ) thru Citi Bank issued cards stating that they were lowering Credit Limit to {$7200.00} from  XXXX Derogatory public record or collection filed Ratio of revolving balances to credit limits too high Proportion of loan balances to loan amounts is too high Too many inquiries in the last 12 months I obtained the same report as they did thru XXXX XXXX XXXX XXXX I call XXXX & Credit Card company ( Credit Card Company would not commit on which reason listed above was for the decrease in line. They dumped it on the Equifax credit profile as what the reasoning for the Decrease. Equifax has nothing to do with lower my credit card limit. They only report findings & it is up to the Bank issuer to do what they want with the report!!!! 

About my Credit Report : My Discharge Bankruptcy was on my Credit Report when I initially took out the Home Improvement loan. 

No other Derogatory or collections open then or NOW I had ( 3 ) Inquiries in ( 1 ) year & nothing recently Ratio of revolving balances to credit limits too high -- - NOT TRUE nothing has been opened since this Account opened, and all outstanding debts have been paid as agreed and the Home Improvement was PAID initially in XX/XX/XXXX with {$3000.00} towards open balance which PAID THE LOAN DOWN CONSIDERABLY. So I have paid loan down far better than minimum payments!!! 

I feel I am unfairly being treated under the Fair Credit Lending Practices!!!!

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 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending
State: TX

Complaint narrative:
I was misinformed the entire time of my loan approval process and lost {$2000.00}. I was told I was approved for the house more than a month ago. 2 days before the option period I was told unfortunate news that it was there was so confusion and I would need more money to close.. I then asked if that was all that was needed along with paying off requested accounts and I was told yes.. After the option period I was told interest jumped on me. I accepted and we moved on agreeing that I would have to sell a truck on my name. Then a week before closing I was told a mistake was made with entering my yearly income and was told could not close till I got yet another account cleared. I was completely told the wrong information the entire time along with mistakes made that weren't mine. Outcome - We did not close and I lost {$2000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For well over 6 months, Bank of America has been attempting to fix a problem with the " Extra Security at Sign On '' feature ( 2 factor authentication ) that allows consumers to secure their bank accounts by receiving an access code by email or text in order to access the account. 

It doesn't work and when it's enabled I simply receive " We're sorry, but we're currently unable to complete your request. Please try again later '' and get locked out of my account and unable to access anything until I call BofA and get a customer service person to generate a code and disable the defective feature. 

There is an open case with technical support.

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 2018-02-22 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: WV

Complaint narrative:
In XX/XX/XXXX, my husband and I refinanced our mortgage loan taking some of the equity to repay college loans. One of them was a XXXX XXXX loan for my daughter, XXXX. We instructed the bank and the mortgage lending company, XXXX XXXX, to send {$19000.00} to XXXX XXXX to be applied to the principal of my loan. This was my agreement with XXXX XXXX, along with instructions that I continue with monthly payments once the funds were applied and new monthly amounts were determined. I did not receive further payment information from XXXX XXXX even after a phone call inquiry. Sometime after the payment was made, XXXX XXXX and Navient separated. My loan was apparently assumed by Navient without my knowledge. I have not moved in over 25 years, so mail should not have been an issue, nor phone numbers. Navient apparently considered the payment as " payments toward the future '' and did not recalculate monthly payments. This step was to their advantage as they continued to add interest charges to the loan amount. This is most disturbing as I have been informed they have tacked almost {$7000.00} onto my loan. Why would I have made a bulk payment of over {$19000.00} only to incur an additions {$7000.00} in interest? Since XX/XX/XXXX I have been receiving nearly daily phone calls about late payments to a company I knew nothing about. I never received any paperwork from the company, and therefore, knew nothing about who they were or what loan I had with them. It took multiple phone calls to get accurate information and weeks to get ANY paperwork from Navient. Even then, all I received was a copy of my loan origination papers NOT current loan amounts or payment amounts. I last spoke to a representative with Navient on XX/XX/XXXX with no satisfaction to my inquiry - only being told this is the way it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MRS BPO, LLC
State: MD

Complaint narrative:
on XX/XX/2018 at XXXX XXXX, XXXX XXXX ( for XXXX XXXX ), called my job at XXXX about a debt that was owe and off my credit report and talk to my coworker about the problem. didn't verified any information regarding the debt, just asked for my name. and told all personal information about this debt. the person that was talking on the phone from XXXX XXXX was XXXX XXXX. i have repeatedly had phone calls from this company with harassment, and i told them to stop calling. Their number is XXXX and the reference number is XXXX. they also been calling my phone number XXXX multiple times. i didnt authorize this company or XXXX XXXX to call my place of work, relatives or cell phone in regards to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Back in 2009, I became a victim of identity theft. My fathers ex girlfriend stole my wallet that contained my drivers license, social security card and credit cards. 

The case is still ongoing and open. Theres an active warrant out for her arrest. 

Ive reached out to the creditors who opened the fradulent accounts and most were removed. I work a full time job, and have a family to care for, so this has been a time consuming burden on me. 

I sent debt validation letters to synchrony about the fradulent XXXX account and was told it was sold to Portfolio Recovery, I was informed by Portfolio Recovery that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: TX

Complaint narrative:
I am a XXXX veteran and asked about the XXXX discharge program and was told there was no such program. I was informed that I needed to set up my account on auto draft after issues with payments being maked late that were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: NCB Management Services Inc.
State: OK

Complaint narrative:
I have contacted XXXX XXXX  five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX   is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX  XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED COMMUNITY BANK
State: FL

Complaint narrative:
United Community Bank , Inc. ( UCBI ) took over XXXX XXXX XXXX XXXX in XX/XX/XXXX. I had my mortgage payment on automatic payment from my account with XXXX XXXX. I have NEVER been late with a mortgage payment. On XX/XX/XXXX I received a threatening letter from UCBI saying my XX/XX/XXXX payment was past due and they may report me to Credit Bureaus ( caps used ). 

XXXX had withdrawn my payment from my account of XX/XX/XXXX. 

In addition to this letter, I received two letters from UCBI threatening to place forced flood insurance in one and forced hazard insurance in the other. Both letter said my insurance had expired. 

I checked with my insurance carrier, XXXX, and was told my food was in full force and due for renewal XX/XX/XXXX. The hazard was in full force and due for renewal XX/XX/XXXX. 

I feel UCBI sent these threatening letters rather than using XXXX XXXX XXXX 's records to change declaration page. They took over the bank and its records and customers, we didn't volunteer. 

I don't know if any law was broken ; however, they are not treating former XXXX XXXX XXXX XXXX customers well.

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 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed this account with Experian and the original furnisher and this account is unverified, according to Section 609 of the FCRA the company has to provide the proper documentation of this account when investigating the company is to provide you with an original signed contract with my signature. Avant- account number XXXX ... I want them to prove this account is mine please reach out to them for any signature or contracts for me. I need accuracy. Here is a phone number for XXXX 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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: SC

Complaint narrative:
XX/XX/XXXX I paid an Escrow Shortage it was NOT credited to my Escrow acct they credited it as an EXTRA PAYMENT and they did not correct that error. I rec 'd XX/XX/XXXX's payment statement and due to the fact that they did not correct the XX/XX/XXXX error the payment was lower then it should have been but I paid the XX/XX/XXXX. amount which they said I owed. They did not credit that properly, they credited that as an EXTRA PAYMENT and have not corrected that error. Then I rec 'd XX/XX/XXXX 's statement and paid that and again it was the wrong amount. Again they credited it as an EXTRA PAYMENT. They have not corrected that payment neither! The bank called me and left a message for me to call that bank. I returned the call ... .. the woman I spoke with told me I had NOT paid XX/XX/XXXX 's payment and that I was way over due on it ... ... I told her I had in fact paid it and I gave her the date of which I paid it and the check number, They STILL have not given me credit for that payment I have gone to my local branch bank and the branch manager there has also attempted to get this corrected she is not having any luck neither.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America shows a late payment in XX/XX/2011 that is incorrect.

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
To Stop collecting PMI 1. I purchased a house in XX/XX/XXXX with 10 % down payment. 
2. The appraisal value was $ XXXX and the selling price was {$150000.00} 3. The Original Amortization Schedule shows as soon as the property reaches 78 % LTV or on XX/XX/XXXX the PMI of {$77.00} should be automaticall terminated as per Home Owner 's Protection Act. 
4. Nationstar mortgage now Mr. Cooper says that it will terminate automatically my PMI on XX/XX/XXXX. 
5. Honble ' Court has given a ruling in similar case of PMI removal that original terms and conditions of the purchase stands good even in case the loan being modified. No appraisal or BPO is required to remove PMI under Automatic Termination Clause. 
6. Now, when I approached Mr. Cooper they say that in XX/XX/XXXX only they will remove the PMI though my 78 % of the LTV reached in XX/XX/XXXX and currently at 70.07 % LTV. 
7. Mr. Cooper and before that Nationstar mortgage can only remove the PMI after reaching 78 % automatically and can not re-calculate the PMI and keep charging me {$22.00} a month. 
8. I dont know under which provision in Home Owner 's Protection Act they can re-calculate after 10 years and charge me {$22.00} PMI every month 9. Nationstar Mortgage should have stopped collecting PMI of {$77.00} as soon as my loan reached under 78 % which is XX/XX/XXXX or atleast should have stopped collecting PMI as per original amortization schedule which is XX/XX/XXXX. 
10. In their wesite they say that my equity on the loan is $ XXXX and sending solicitations that I can refinance and take cash equity out and they can do re-finance without appraisal also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: EQUIFAX, INC.
State: OK

Complaint narrative:
I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have contacted XXXX XXXX five times since XX/XX/XXXX. Ive also contacted the three Credit Agencies and nothing is being done. XXXX XXXX is the debt collector for XXXX XXXX XXXX. I filed bankruptcy and received my discharge XX/XX/XXXX. This company as of XX/XX/XXXX is still reporting this account as OPEN with XXXX balance. I called XXXX XXXX this morning only to get hung up on. This debt collector is hurting my credit score. I would like to file charges on them.

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 2018-02-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
A derogatory record appeared on my account posted by CBNA indicating a card over limit. I do not have any cards with CBNA and none of my existing cards are over limit. 
The credit report is posted incorrectly and must be removed from my credit reports 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 2018-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has failed 10 attempts at resolving improper use of my credit report. My report is locked and nobody is supposed to be able to access it. Secondly, I paid XXXX XXXX XXXX   in full both accounts, they were paid in full in good faith and closed by me the consumer. I have attempted 10 times now with supporting documentation that this is true and accurate. So, since this is not getting done, I will be filing a motion against Equifax and XXXX XXXX XXXX for direct violation of Anti-Trust Laws

Company response to consumer: Closed with explanation