vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 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: Army and Air Force Exchange Service
State: GA

Complaint narrative:
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the XXXX  report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my XXXX  credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my XXXX report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX   around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to XXXX. Since being removed from XXXX, the collection status information has re-posted to XXXX   three times during the first week of the past three months. XXXX  advised me to dispute with XXXX ( copy of email attached ). I have disputed with XXXX  previously with no success -- only XXXX can update my report. If my XXXX report continues to show unlawful information for my XXXX XXXX  account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!

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 2018-10-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed a XXXX XXXX XXXX XXXX account on my credit report with Experian all of XX/XX/2018. Experian have violated the Fair Credit Reporting Act they are not properly investigate this item. They keep saying the item is verified. HOW CAN YOU VERIFIED A ITEM IF YOU HAVE NO WRITTEN CONTACT? HOW ARE EXPERIAN VERIFYING ITEMS? I have requested documentation with my signature on they have failed to provide me with it. Experian need to prove to me that they are reporting hundred percent accurate information ( they are Not ). In the documents I have uploaded states I want all the documentation that Experian have to verify that this account is mine. And remove all Non account holding inquiries I have contacted all of the companies they have Not provided me with written proof are authorized none of the inquiries

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 2018-10-09 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: FL

Complaint narrative:
I am reporting wrong information on my credit report XXXX XXXX XXXX was delete from my XXXX XXXX account And still showing on my equifax account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On XX/XX/2018 I received a statement via mail stating that my account has been forwarded to our office for collections for {$790.00}, this notice came from XXXX XXXX XXXX. I Called XXXX right away and was told that amount owed on the statement is for property taxes, I asked XXXX XXXX for proof of this. Prior to this statement I was never notified of this bill there was no bill and no phone calls. On XX/XX/2018 I again called XXXX XXXX and was told that the bill was the license plate, I was given different information on XX/XX/XXXX and different information on XX/XX/XXXX. I  again asked for proof and an explanation for what this bill is for and why was I never informed the rep stated he will email me the information. To date I have not received any documentation. I no longer own this vehicle and have not owned this vehicle since XX/XX/2018. XXXX XXXX never contacted me thereafter, never sent me any communication until I received a collection notice on XX/XX/2018. I was unaware of this owing balance which XXXX claims I owe. I have a new vehicle and I think XXXX XXXX is trying to double bill me, this is why there is no proof and I have not been contacted prior to this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am unable to get information on account number XXXX. My attorney sent XXXX XXXX several emails requesting for a loan modification with a payment I could afford. Its been over 30 days and no response. I have been recording the automated information on my account. On XX/XX/2018 there was a sudden change to the account during the time the servicer was merging with XXXX and I recorded it. The automated system informed me that a new mortgage payment in the amount of {$2900.00} is due XX/XX/2018. On XX/XX/2018 the trustee sale was postponed to XX/XX/2018. On XX/XX/2018, the automated system gave me different information again. Since XXXX  XXXX is not responding to my attorneys emails I called Ocwen myself to get information on the account, my call was automatically transferred to the law department, the representative told me I would need to contact XXXX XXXX to get the update. How am I suppose to get information on the account if the servicer and its outside lawyer wont give me information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I submitted a request for a loan modification on XX/XX/2018. I was notified items were missing and I supplied those items on XX/XX/2018. Today is XX/XX/2018 and I still do not have response to my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Hello Sir, I have lost {$1700.00} my money from my savings bank account. I am a bank of america customer. 

Someone just added as a XXXX  recipient and made two un authorized transactions. The moment i got a mail about someone added to my XXXX   transfer account, after few seconds recievied another mail, says {$900.00} sent to XXXX XXXX. after that i got another mail saying {$850.00} sent to XXXX XXXX. 

after 5 seconds, I realized this is a fraud transaction and called bank of america fraud claims, and filed a fraud dispute. 

now bank of america people saying that those transactions made from your device only. so we wont be able to do anything about it. 

I lost {$1700.00} of my own money because of bank of america security  issues. 
I want my money back. 
Please help me with this.

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 2018-10-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank sent me a new credit card without my permission, and that card was stolen and I was charged {$5000.00}. I asked Citi many times to cancel my card which they did not do, and Citi took money out of my checkings account to pay for these charges, and they are refusing to refund the money.

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 2018-10-09 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: FL

Complaint narrative:
I am reporting wrong information on my credit report XXXX XXXX XXXX was deleted from off my XXXX XXXX account and still showing on my Equifax Report this account is close with a {$0.00} Balance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: IL

Complaint narrative:
On XX/XX/2018 I disputed a XXXX XXXX XXXX XXXX account on my Equifax credit report. Equifax can back and said " The item was VERIFIED '' on my dispute letter it's states " PROVIDE ME WITH PROOF THAT THIS ITEM IS MINE WRITTEN CONTRACT AND ANY DOCUMENTATION WITH MY SIGNATURE '' .Under the Fair Credit Reporting Act that's my right to received the documents.Equifax Failed to do so they have violated the Fair Credit Reporting Act. HOW CAN YOU VERIFY A ITEM WITH NO WRITTEN CONTACT? HOW ARE EQUIFAX VERIFYING ITEM? WHO VERIFIED THIS ITEM? I want this negative item off my credit report as soon as possible. And remove All non holding account inquiries I have contacted all they companies and they failed to provide me with proof that I authorize inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the Equifax report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my Equifax credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my Equifax report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to Equifax. Since being removed from Equifax, the collection status information has re-posted to Equifax three times during the first week of the past three months. XXXX advised me to dispute with Equifax ( copy of email attached ). I have disputed with Equifax previously with no success -- only XXXX can update my report. If my Equifax report continues to show unlawful information for my XXXX XXXX   account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: AES/PHEAA
State: FL

Complaint narrative:
I Do Not Currently Have All The dates Or Information to Provide in this Email or Text But If Contacted By my Email XXXX I Can Provide more Information Basically I Attended XXXX Years ago in XXXX And I Was Signed up and Charged a Federal Student Loan I Was Given a Tour of the Campus and An ID Badge I Also was Told by the Staff I Would Recieve a Diploma and Would get an Opportunity to Prepare for a Career Placement or Job in My Field of Study With the Career Specialist I Took Medical Billing & Coding ( XXXX ) However I Began to Fail In Class and Some how I Was Passed GIVEN Good Grades this School had been Under FRAUD And worst I Never Received my Diploma Never A Graduation Invitation Never Took State board Exam for Billing or Coding and Never Got a Career Job I Have Contacted Everbody the State of Florida Education, I Made a Request on the Website for Loan Forgivneesss And I am Still being Billed by FED LOAN FOR THIS PLEASE HELP ME!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
When I re-finance my house with another company, Wells Fargo over charged fees, interest and kept money from my scroll regarding insurance and taxes. I called Wells Fargo and the response I got was that any money due to me was going to be paid under their discretion and there was nothing I could do.

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 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I talked with personal loan rep at Frost Bank and completed application by phone. I have excellent credit and they called back claiming they were unable to open my XXXX XXXX file. I contacted XXXX XXXX and they claimed there was nothing wrong with my account and no freeze was placed on. I called Frost Bank back and they have not provide reason for denying my loan request. I requested to speak manger but have not heard back from them and they have not given a reason for denial other then claiming they was unable to open XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I sent in a letter requesting for deletion because of inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PINNACLE RECOVERY, INC.
State: VA

Complaint narrative:
XXXX XXXX  used tactics that was not ethical when selling their product. It was a timeshare presentation that was supposed to be 90mins and we were in there for at least 6 hours. After we wanted to leave they called a manager out to sweeten the deal. After purchasing the timeshare things that were told to us was complete lies. I've tried to ask them about things promised to us and never gotten a solid response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a Citi Visa card for XXXX.

I pay my bills ... using Bill Pay through my XXXX XXXX account. On two occassions I was charged a " late fee '' for payments that my bank told me had been delivered on time.

I appears that although the check arrives in time ... there is a delay in when it is processed. After wasting time with my bank and Citi customer service ... I changed the due date to give them an extra 2 days to credit my account. They had charged me {$25.00} x 2 for these incidents ... but that was eventually refunded.

I did not receive a paper statement in XX/XX/XXXX ... and since I don't use this card on a regular basis ... I figured that no payment was due. Today, I learned ( through repeated calls to my cell phone ) that I missed a payment. I paid it immediately out of my checking account ... but they refused to cancel the {$25.00} late charge. [ Oh, they also had the wrong bank and checking account associated with my Citi account ] I have no intention of continuing my business relationship with Citi. However, it may be that they have found several new ways to generate late fees! I have another VISA card ... which I manage in the same way ... and have had no fees for many years.

After XXXX XXXX   ... I wouldn't be surprised if this " slow down '' in crediting an account or missed statements was deliberate.

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 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I'm a veteran and open a saving and checking account with Navy Credit Union. I also open a money market account. I deposit several thousands and requested to get a personal loan for XXXX. I have excellent credit and no challenges. My debt to ratio is extremely low and have paid all accounts as described. I also have enough income to cover the loan amount. I questioned the desired amount and it was 12k less  then what I asked and I still would need to place 3 % down. I question the amount with phone rep and she turned the conversation around and attempted to stop my interaction by phone or in person with Navy Credit Union. Presently I cant speak with teller at bank or by phone and I have money in Checking and money market account. They refused to allow me to do business with them and I cant enter bank to address anything about my account or by phone. I'm still seeking clarification why my loan requested was denied. Since there no reason for the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
After realizing that most of the monies paid to Mobiloans weren't going to paying off the principle, I had to quit making payments and wrote them to try to work out a fair repayment program.I can not continue to pay excessive fees.I am on XXXX and cant afford.I never borrowed more than 400 at anytime and made payments but principle never seems to go down.Just need help arranging fair repayment plan, and stopping excessive fees.They have already damaged my credit after 30 days.They have ignored any requests to lower and set up payments that I can afford.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NH

Complaint narrative:
I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. 

The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! 

I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. 

XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. 

I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/2016, I requested a credit report from Transunion. Without my knowledge or consent this signed me up for a $ XXXX/month 'credit monitoring ' program. I never signed up for this. Every month {$21.00} has been taken from my account for a service I do not use nor ever singed up for.

I spoke to their representatives who said they could only reimburse me for the past three months. Their emails went to my spam, and I didn't notice the {$21.00} charge until this month.

I can't imagine anyone would knowingly sign up for a {$21.00} monthly charge to 'monitor ' their credit report when they could just freeze their account. This is totally absurd and has cost me over {$500.00}.

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