vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-06 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: PA

Complaint narrative:
IN XXXX XXXX I MAILED MY MORTGAGE PAYMENT TO XXXX XXXX. SOON AFTER, THEY CALLED ME TO REPORT THAT THEY NEVER RECEIVED THE CHECK, SO I MAILED ANOTHER CHECK. THEY APPLIED THIS CHECK, AND SUBSEQUENT PAYMENTS TO THE CURRENT MONTH, RATHER THAN THE XXXX PAYMENT, MAKING IT APPEAR THAT I HAD NEVER PAID IN XXXX AND DID NOT CATCH UP UNTIL XXXX. MY CREDIT REPORT REFLECTS THAT XXXX, XXXX, XXXX XXXX WERE PAID 30-59 DAYS LATE DESPITE AN ADDTL PAYMENT TO COVER THE MISSING CHECK. IN XXXX XXXX, XXXX XXXX LOCATED THE " MISSING : CHECK FROM 12 MONTHS EARLIER AND ATTEMPTED TO COLLECT PAYMENT ON THIS CHECK. THE BANK ACCOUNT IT HAD BEEN WRITTEN FROM WAS NO LONGER MY PRIMARY CHECKING ACCOUNT, BUT WAS STILL OPEN WITH A SMALL BALANCE. XXXX XXXX 'S POLICY IS THAT THEY MAKE THREE ATTEMPTS TO COLLECT PAYMENT, EACH TIME RESULTING IN AN OVERDRAFT FEE IMPOSED BY MY BANK. I HAD A CONFERENCE CALL WITH THE BANK AND XXXX XXXX IN AN EFFORT TO STOP THEM FROM MAKING THE ATTEMPTS. NEITHER INSTITUTION WOULD AGREE TO STOP THIS PROCESS, RESULTING IN SEVERAL HUNDRED DOLLARS OF OVERDRAFT FEES, AS WELL AS FEES IMPOSED EVERY THREE DAYS WITH A NEGATIVE BALANCE. MY BANK HAS A " POLICY '' OF NOT CASHING CHECKS AFTER 60 DAYS, BUT DID NOT ADHERE TO THIS POLICY IN THIS SITUATION. TO COVER THESE FEES, THE BANK WITHDREW THE FUNDS FROM MY SAVINGS ACCOUNT WITHOUT MY KNOWLEDGE. I HAVE TRIED TO WORK WITH XXXX XXXX TO CORRECT THE LATE PAYMENT STATUS ON MY CREDIT REPORT, THEY TELL ME THAT THEY CAN NOT REMOVE ANYTHING AS THE PAYMENTS WERE IN FACT LATE. THE PAYMENT WAS MAILED ON TIME, THEY OBVIOUSLY RECEIVED THE CHECK AND HELD IT FOR 12 MONTHS. I SUSPECT THAT THEY FOUND IT DURING AN END OF YEAR AUDIT. I ALSO SUSPECT THAT DURING THIS THREE MONTH PERIOD, XXXX XXXX WAS MAKING AN ATTEMPT TO HAVE ME RESTRUCTURE MY MORTGAGE. THEY BEGAN SENDING ME " HAVING TROUBLE PAYING YOUR MORTGAGE '' DOCUMENTS, OFFERING NEW LOAN TERMS. XXXX XXXX WAS CALLING ME TO ASK IF I COULD NOT AFFORD MY MORTGAGE PAYMENTS IN AN EFFORT TO HAVE ME REFINANCE UNDER THE GOVERENMENT PROGRAMS FOR HOMEOWNERS STRUGGLING TO PAY THEIR MORTGAGES. THEY CONTINUE TO PLACE BLAME ON THE USPS, TELLING ME THAT THE MAILMAN MUSTVE BEEN HOLDING MY MAILED PAYMENT. THEY HAVE NO EXPLANATION FOR WHY IT WAS LOCATED 12 MONTHS LATER IN THEIR POSSESSION, WITH THE DATE OF XXXX XXXX. SINCE XXXX XXXX HAS DECLINED TO CORRECT MY CREDIT REPORT, I HAVE DISPUTED THE INFORMATION, WHICH HAS RESULTED IN A SIGNIFICANT DROP IN MY CREDIT SCORE, AS WELL AS THE ENTIRE ACCOUNT BEING REMOVED FROM MY CREDIT REPORT. I FILED A REPORT WITH MY STATE ATTY GENERAL, WITH THE OUTCOME BEING THAT XXXX XXXX RAISED MY INTEREST RATE. I HAVE NOT BEEN ABLE TO COME TO ANY RESOLUTION WORKING WITH 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 2018-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
My husband and I purchased this home that we currently live in almost 40 years ago. The original loan amount was {$64000.00}. Over the years and mortgage was transferred over to Ocwen without our consent. In the past 2 1/2 years alone my husband and I have paid over {$30000.00} in mortgage payments. However our total balance went from a XXXX XXXX XXXX to XXXX XXXX $ after {$30000.00} in mortgage payments. We have been home almost 40 years and the mortgage lender stated that our home will still not be paid off for another 20 years.During this entire process my husband and I have made the mortgage payment every month principal balance and interest rate and the Total amount owed continues to grow and snowball out of control.

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 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I took out a loan for {$600.00}. I never spoke with anyone, everything came by email. My payment is XXXX bi-weekly and I 'm no where near being finished paying it off. With interest laws in NC i thought this loan would be paid off after a few months but when I was finally able to login to my account to date I 've paid XXXX in just interest and only a total of XXXX to the principle since my first payment XXXX XXXX, 2017. 

This does n't make any sense. This account should have been paid off already, but when my payment is taken sometimes on XXXX is going towards the principle. It says my interest rate is 697 %. Is this legal? I finally decided to do research about the laws and NC law says 36 % is the limit. Can anyone assist? This was supposed to be to help for unexpected bills for a short period, but the balance has never gone down low enough to pay it off because most of the payment is going to the interest. 

I would think the interest rate would be higher if someone was missing payments, but I am current and have never gotten an extension or missed a payment and I have still paid an exorbitant amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
Commonwealth Financial systems a 3rd party collection agency attempting to collect a debt in the amount of {$1900.00} for medical when all information was given day of services and has been paid in full.

This collection agency has reported to my credit bureaus, I am asking them to show proof that this debt is owed to Commonwealth Financial Systems and please remove permanently from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Someone get credit cad using my SSN from chase bank My SSN NO : XXXX DOB : XX/XX/XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Main Street Holdings, Inc.
State: SC

Complaint narrative:
First on XXXX XXXX, XXXX I called to make my first installment payment. They do not accept any kind of payments over the phone which is a big inconvenience. However, I do pay my bills responsibly, this was XXXX weekend and with the hustle of the holidays, I did forget to drop off a money order. I spoke with XXXX on XXXX XXXX and apologized and tried to set up arrangements for my payment with my next check. I even offered to make 2 payments ( which of one would be early ). I was told this was absolutely unacceptable and that if I did not pay the very next day, I would be taken to court. I again apologized and ask if she would please work with me, because I get paid bi-weekly. I was told absolutely not, pay the next day or else. She kept threatening me in a rude tone. I told her that she could not do that, that I know you have to send out a right to cure and that right has to expire before legal proceedings can occur. She said no I do not have to do that and I will take you to court tomorrow. I then called the district manager and was told that I was right, however I was still made to feel like she did n't want to help me. my right to cure was then sent out that day after I was told by the DM it had been mailed on the XXXX. XXXX also called my husband and disclosed 3rd party information. She was asking him when I was planning to make a payment and that my acct was behind. My consumer rights have been violated and I feel as though the DM did n't care that XXXX had broken the law and said nothing in regards to her disclosing my information. I also feel like I 'm not the only person that she has done this to because she seemed so comfortable with doing this. The DM ( XXXX XXXX ) when told about this matter said " oh she did '' and that is all. XXXX XXXX said that XXXX was the new manager and was trying to collect past due people in any way she can. This has not been handled properly, I feel that this manager obviously needs more training and be told you can not threaten people in this line of business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
My name is XXXX XXXX. I have an account at US Bank. I have in the past had problems with US Bank over drafting my account even when my preferences are set for my card to decline if the account has insufficient funds. I took all the money out of my checking account save {$6.00} on XXXX XXXX, 2017 with plans to close the account later on. Due to past terrible experiences ( I have attached an email detailing those experiences to this complaint ), I put it off until I recently checked it and found that it was {$100.00} overdrafted. This was due to a {$6.00} payment taken out by a company that I had changed my payment method with, but who apparently did n't change over my payment information for this new card even though I inputted it as my preferred payment method. While they refunded the initial overdraft fee due to this payment, there was still a {$.00} deficient that they charged on now from XXXX XXXX to XXXX XXXX. This deficit should n't have existed at all since I was made to understand that the account was set up to not except payments that over drafted the account. It was also was previously set up with 'over draft protection ' meaning it would take from the associated savings account if the checking account did n't have enough funds, which would have in this case, made it where the account did n't over draft. Meaning that even if neither of the two times I went in to correct the problem of my account over drafting worked, this problem still should not have existed in the first place.

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 2018-01-06 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: SECURITY FINANCE CORP
State: IL

Complaint narrative:
on X/X/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out

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 2018-01-06 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: IL

Complaint narrative:
on XX/XX/XXXX/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX, 2018, Navy Federal Credit Union wrongly approved a XXXX XXXX  transaction transfer from my account to an unknown source. Someone called in pretending to be me and the agent within Navy Federal Credit Union released the funds even though there were multiple red flags that it was not me calling in. The person calling change both phone numbers on the account. They then requested to increase the cash withdraw amount from my account from {$3000.00} to {$4500.00} even though I did n't have that much money even in the account. I was informed by a representative within Navy Federal that that was not even something they were allowed to do. They then approved releasing all the funds from my account except approximately {$150.00} even though I had six pending transactions. The agent within Navy Federal would have been able to see that releasing those funds would cause my account to be overdrawn and they still approved the transfer.

As soon as I caught the error in my account, I contacted Navy Federal and the first representative informed me I could n't do anything until the transaction cleared my account. After speaking with other people, I went down to a Navy Federal branch and spoke to the 
assistant manager and he was able to submit a fraud complaint and try to stop the transaction. If the first agent would have attempted to stop the transaction as the assistant manager did, it 's possible we could have kept the money from being picked up at XXXX XXXX. The assistant manager also informed me that just the month before a similar fraudulent activity with a XXXX XXXX transaction occurred with another Navy Federal member. The next day I submitted the requested fraud complaint forms and was informed by the fraud department that because of the type of fraud it was, they would not be able to release any credits to my new account as I had already requested to close the compromised account. This leaves me with no funds until they complete their investigation. They informed me the investigation could take up to ten business days. 

I feel that under these circumstances and because of the erroneous missteps taken by the agent within Navy Federal, they should have released even a small portion of my funds back to me. I feel this is a misrepresentation of their fraud protection they offer on their bank accounts and that rather than having my best interests in mind, they are only protecting themselves and their agent 's mistakes leaving my family with no money while they investigate these actions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion, XXXX and XXXX has not corrected my Credit File to reflex what is actually been paid in full.

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, 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 2018-01-06 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: MO

Complaint narrative:
XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My XXXX XXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get XXXXredit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 



Waiting for a Reply, 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 2018-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I had a Texas XXXX XXXX XXXX XXXX with XXXX that started in 2008.Since that time many of my payments were applied to interest only which is a violation of Texas Home Equity Law. I will attach a letter and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX, XXXX my credit report was used without my consent from XXXX and 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 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX, 2018 my credit report was used without my consent from XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX, XXXX my credit report was used without my consent from XXXX and 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 2018-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This Debt collection company AFNI is trying to collect on a debt from XXXX and reporting it as a debt that went negative in XXXX. I have contacted XXXX XXXX XXXX XXXX and they have zero accounts with my name and social security number. I contacted XXXX XXXX XXXX home internet and they have XXXX accounts with my name and social security number. I contacted XXXX XXXX which is an affiliated service with XXXX XXXX XXXX and they have zero accounts with my name and social security number. Funny story, they do have and account from XXXX that was opened with my name and zip code XXXX. Not even my social, a phone number that has been registered to a dog groomers since XXXX. I have fixed the issue with XXXX XXXX, they gave me a confirmation number of XXXX. Told me dispute it with my credit bureau and the collection agency will be forced to drop it. I disputed it, and they out and out lied. Not only are they reporting this as current but reported it was active. This is n't the first time a debt collector does n't update their facts, they just make up their own story to fit this. It is not fair for me to be responsible for something there is no contract or anything for. Its a service that you open with a name and address that is n't even mine with a phone number that was n't even mine. This was very very evident with XXXX XXXX customer services, as well as they said i have zero accounts in collections. Just my name and a zip ode i never lived in. They should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Wrote Experian a letter, and mailed it on XXXX XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 2018-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: IL

Complaint narrative:
Opened a XXXX XXXX XXXX account in XXXX which was later closed and subsequently included in a now XXXX discharged Bankruptcy. Yet, the hired debt collector, Real Time Solutions, continues to inaccurately report this account as opened to credit bureaus. While there is {$0.00} liability, the unclosed debt record is negatively effecting my overall credit. I have submitted more than a dozen combined disputes to the 3 credit reporting agencies and I have contacted Real Time Solutions directly and with no response or updates to my credit reports. I have exhausted all options and I am reaching out in hopes this can be rectified and that Real Time Solutions will be penalized for inaccurately reporting my account. 

XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - TrXXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX Online Dispute XXXX - XXXX XXXX XXXX XXXX Online Dispute XXXX - XXXX Phone Dispute XXXX - Letter to Real Time Solutions XXXX - Email to Real Time Solutions

Company response to consumer: Closed with explanation