vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 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: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I had a medical bill, Amcol called me and asked if I would be interested in setting up a payment plan, I told them yes, and the agreement was, XXXX a month to be drafted out of my bank account for 36 months. The first payment was drafted on XX/XX/XXXX it was an over the phone payment to get started. Each month there after Amcol drafted XXXX a month from my bank account. In XX/XX/XXXX, I received a notice from my bank saying we have been made aware your card number have been exposed in a data breach at a merchant location, etc ( I have the letter ) we are sending you a new card. I received a new card, and on XX/XX/XXXX I activated my new card. 
On XX/XX/XXXX I got a call from Amcol from a lady name XXXX, I tried to explain to her what happen and it was not a problem I just got a new visa/debit card and I will give Amcol the information so they could debit my account, I told her I would call them later that day because I was on the road driving to an appt. on XX/XX/XXXX, I called Amcol and I did not want to speak with XXXX again because she was rude, I spoke with a lady name XXXX, I gave XXXX my new debit card information and she said she was going to process the payment, on XX/XX/XXXX Amcol put the debt on my credit report. The last payment Amcol debit from my account was on XX/XX/XXXX. From the beginning of the agreement XX/XX/XXXX until now I have not missed a payment or been late. Amcol miss used there authority, Amcol normally draft my account on the 6,7 or 8th of each month, Amcol had my new debit card information on XX/XX/XXXX. Amcol had no reason to put this debt on my credit report when I was paying the bill in agreement with the arrangement we had made. I was not late when I gave Amcol my new debit card information. I would like to keep making my payments and I will give it my all to pay the debt off sooner so I don't have to deal with Amcol any more, and I would like for them to take that debt off my credit report, because its a lie to say the debt was not being paid or late. I have my bank statement of every payment I have made, ( XX/XX/XXXX ) This should be against the law for a debt collector to put any thing on any ones credit report when they are paying the bill. What I don't understand is why is Amcol willing to hurt the creditor they are working for to collect payments for them? I should not have to plead my case, when I am so willing to get my bill paid and keep my credit good. I am praying someone can help me. I have worked really hard to keep my bills in good standing. Hope to hear from someone soon. 

I have my bank statements and letter from bank, let me know if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Monarch Recovery Holdings, Inc.
State: MD

Complaint narrative:
Never given amounts, refused to send verifying documentation of amount owed and to whom it was owed, multiple calls, called XXXX XXXX family members claiming to be lawyers or police and that if they didnt pay the amount owed ( again never reveling amount ) theyd take legal action for bank fraud, my husband owes no debts, we just purchased a home and paid off all our debts so. I do not like when these companies harass people and lie to get debts that were already settled ( they pay for the amount not settled and I really wish the government would change that option to not be allowed )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a new savings and checking account using a promotion that I received in the mail the last day of XX/XX/XXXX. For the savings account, I was supposed to receive a {$200.00} bonus if I deposited {$10000.00} and maintained that for three months. On XX/XX/XXXX, after the trial deposits were confirmed, I moved the funds over as I was instructed to. On XX/XX/XXXX, I was charged an unexpected service fee on the saving account ; however, I then deposited extra funds to maintain the average daily balance of {$10000.00}. 

I contacted the customer service line twice. The first time I was told that after the three months, it sometimes takes a statement cycle or two for it to show up. On XX/XX/XXXX, I again contacted customer service and was told that I would have needed to deposit the {$10000.00} on the day it was opened. When I told them that the banker had said that as long as I transferred the funds shortly after the account opening date ( the trial deposits were confirmed on XXXX and I transferred the funds on XXXX ), it wouldn't be a problem. I was then told by customer service that I would need to directly contact the banker who opened the account for me at the branch. That same day I emailed the banker, XXXX XXXX, and provided the information above. XXXX XXXX almost immediately replied that he would work on getting this resolved. That email from XXXX XXXX on XX/XX/XXXX was the last time I heard from him. I have followed up on XX/XX/XXXX and XX/XX/XXXX, and I have not yet received a response. 

The balance in the account remains over {$10000.00} as of XX/XX/XXXX. XXXX XXXX stated that they needed to keep the copy of the promotion mailer for the file, so I no longer have it in my possession.

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 2018-03-12 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: EQUIFAX, INC.
State: NE

Complaint narrative:
My credit report was pull on XX/XX/2018 And show delinquency and late payment. The delinquencies and let payment are 4 years old and still shows as recent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: Equitable Acceptance Corp
State: KS

Complaint narrative:
I was inquiring about the student loan forgiveness plan for XXXX. The Student Loan Releif Department was the company in which I went with based on what they told me. In order to use their service, I have to pay them {$1300.00} on a monthly plan paying {$39.00} a month. This payment plan started on XX/XX/2017 and they went through Equitable Acceptance for the loan in which I am paying this company. I contacted the XXXX company to ask some questions and they told me that I could have gotten the student loan forgiveness plan through them and it would be completely free. I am paying a third party {$1300.00} over the next four year for something that I could have gotten completely free. I was not aware of this and the Student Loan Relief Department obviously did not let me know about this. I am paying for their services when I could be doing everything for free. Not only am I paying for their service, but I also can not contact them via phone. I have tried to call them and I can never get someone to answer the phone. They didn't follow up on what they said they would do. This is when I ended up calling XXXX and finding out that I was paying for something that was not needed. I want to get out of this loan through Equitable Acceptance whom I have already paid for one year, for the service from Student Loan Releif Department that I don't even need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXXthrough XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

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 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXX through XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

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 non-monetary relief
Consumer complaint received 2018-03-12 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: NJ

Complaint narrative:
My Credit Score Was At About XXXX  Back In Early XX/XX/XXXX. i Had Late Payments Thus Derogatory Remarks. Made Payments Later That Year. Credit Score Went Up To Around XXXX. i Kept " Late Payments '' At XXXX  . Made A Payment In XX/XX/XXXX. Yet Credit Score Remained Stagnant.

Based On TransUnions Customer Representative, Factors Matter. The Only Factor Based On The Factors Used To Determine The Credit Score Is 'Late Payments '. None Of The Other Factors Have Major Effect On My Account, Since They Are Up To Par.

If Back In XX/XX/XXXXThe Credit Score Went Up After Making The Payments, Why Not In XX/XX/XXXX Payment?

Every Time i Directed The Customer Representative To The Point Of My Call, She Tried To Divert My Attention.

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 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Response to Bayview loan servicing llc adding XXXX to my loan as court papers attached will show.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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:
The credit bureaus continue to report credit cards on my reports that do not belong to me. XXXX XXXX and XXXX 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 2018-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.

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 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
The original account was with XXXX over 7 years ago. When the account was closed, the remaining balance was credited and was left with a XXXX balance. This account was removed from XXXX, but is still being reported by XXXX and XXXX. This account is more than 7 years old and I am no longer liable for this account as it was paid prior to going to collections with Trident. Each time that there is a new acquisition of XXXX  accounts, this account keeps getting transferred instead of being formerly closed out. I have never had an account with Trident Asset Management and this should be removed from my credit report as it is infringing on my rights to Fair Debt Collection practices. This account appeared on my credit report in XX/XX/XXXX ( never reported prior to this time ) and when I noticed this old debt I contacted the agency to remove. It was agreed that they would remove it, but the debt keeps appearing on my credit report. I contacted the better business bureau and they have sent on XX/XX/XXXX and I also spoke with their representation onXX/XX/XXXX I escalated the call to the manager of the rep as she was unable to produce information as to how my credits were applied ; she advised that this debt was merely validated. I asked for an explanation of charges and this was never produced. This debt is too old to report and should be removed from my credit report instead of keep getting sold to additional credit collection agencies. Please have the company update the records and remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have had my credit card with Navy Federal Credit Union for over 5 years and have been a member forever 14 years. My credit card expired in XX/XX/XXXX, and I contacted Navy Federal asking for my new card. I was told that my credit card account did not meet their standards under review, and that my account had been closed. I was asked what criteria was used to make that determination, and was told that they didn't know and could not transfer me to the credit card department in an effort to keep the credit card department unbiased. This is the same credit card that I talked to multiple times in the past. They told me that they sent a letter to my address, but I never received it. It was not sent certified mail, and they have no proof that I received the letter.

I then sent a secured message to Navy Federal detailing their disclose, and asking which of the terms I violated that resulted in my account being closed. Again, I received a response that said after review they decided to cancel my account. I replied to their email and asked what the specific reason was.

I received a call today from the credit card department that I wasn't allowed to talk to previously. They then said that my card was cancelled due to my credit score, but my credit score was lower in the past and my account was allowed to stay open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I received in the mail from Equifax a letter with two addresses for me. Both were incorrect. One address I never lived at and the other had an apartment number associated with it ( I live in a single home ). I contacted Equifax via email and was instructed to call during business hours. The first agent was very difficult to understand as English was a second language. After an hour of proving who I was, the agent would not accept my correction for my address. The agent 's requirement was to provide several forms of proof in documented format faxed to them. I could not understand all of the requirements because of the agent 's English. I requested to speak to the supervisor and verbally we agreed to update my address. I do not have proof that it was completed.

I am dismayed that the only two addresses that Equifax had proposed to me were both incorrect. I can not imagine what other information is incorrect in my report. I currently have a credit freeze on my credit report because my account information was part of the Equifax data breech.

I hope others do not experience the same level of misinformation and reluctance to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I have owned my house for 12 years and always make my payments on time. A few years ago my loan is transferred from XXXX XXXX XXXX to Nationstar. In XX/XX/2016Nationstar made a mistake crediting my account and they contacted me to say I was late. I disputed this and asked them to look into it. I was treated very poorly by Nationstar at this time. I asked for a supervisor for help and they said no. I requested a Spanish speaker and they would transfer me to different departments but I could never get help or answers. Nationstar was demanding that I make a double payment on the mortgage plus late fees but this was their mistake. I kept trying to fix this but Nationstar will not work with me. Finally I hire an Attorney to help and then Nationstar says in a letter it was their mistakebut now I was six months behind and they said I had to pay all the late payments at once. I try to get them to work with me but instead of playing fair when it is their fault, they foreclose on my home in XXXX. Nationstar needs to be investigated by your people because they are doing bad business.

We bought this house with 100 % financing and a very bad first mortgage loan that is adjustable. My main language is Spanish and I did not understand the documents that I was signing. This loan had an interest rate of 7 % and then just a few years later the rate went up to 10 %! This was very high, but I still made sure to pay the bill each month. I always paid the bill each month. I live in this home with my wife and two children and I work as a landscaper. A few years ago the loan was transferred from XXXX XXXX XXXX to Nationstar. Then the problems begin when my monthly payment is not credited. I found out about this and started contacting Nationstar to get this fixed. I am told that I have to make a double payment and that I have to pay late fees. When I go to try to do this I am told that the amount I am going to pay is not enough, the amount has changed. I try to get to a supervisor but they say there is no supervisor here. I try over and over to get a Spanish speaker to help me, but Nationstar would not let me talk to anyone who could help me. Instead of fixing the mistake Nationstar sold my house in XX/XX/XXXX. This is more bad business, putting me in a predatory loan that I did not understand and then making a mistake on my payments and not working with me to fix it. They sold my house over this at auction and I want them to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My mortgage company is Carrington Mortgage and I am having issues with them releasing an insurance check. XX/XX/XXXX we found out we had a slab leak and the plumbing company came over to detect the leak and during the process they cut off hot water and and all the water pipes except one in the upstairs bathroom. XXXX XXXX put me in contact with field adjuster XXXX. He came over viewed the property sent results to XXXX XXXX the desk adjuster for XXXX XXXX. She in turn sent information to Carrington Mortgage Loss Department under loss draft # XXXX   and approved the claim with a checkXX/XX/XXXX Carrington has been holding the check for some unknown reasons. I have spoken with them and informed they are putting my family at risk because we are currently boiling water and carrying water up and down the stairs. They are withholding funds that have already been approved by my insurance company. Please help me-we can not go any longer without water. It has been over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I talk to them snd ask to provide proof of me opening acct. told them not to call me again and now they are harrasing family members and I want thrm to stop. ASAP!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 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 — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX/Walmart Someone used my personal information to try and get a Walmart account card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief