vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
We have owned this property 14 years, but recently our equity line mortgage payment went from XXXX a month to over XXXX a month. Mind you we don't qualify for this XXXX increase, nor were we informed that it would increase that much, nor have we been offered any help by Suntrust to resolve this issue. To help on the mortgage side, XXXX did a loan modification for us and took our 1st mortgage from XXXX to XXXX which is a completely reasonable thing to do. Suntrust is trying to foreclose on the property rather than help us, by jacking up the rate over XXXX which took our total mortgage payment from XXXX a month to XXXX a month! Then they tried to get in first position instead of in the HELOC position by tacking on junk fees and late fees so that our second mortgage is owes more than our first mortgage, which would put them in place to be fully paid in the event of foreclosure. DIRTY POOL. I submitted a loan modification to them over 6 months ago, yes, 6 months. And they keep giving me the run around. Well, you are only 2 months behind so we can't help you. You need to be 3 months behind, but no more than 120 days behind. Oh, sorry now you are 121 days late, so now we can't help you again unless you pay another month to be 3 months behind, but not 4 months behind. Absolutely and positively ridiculous game they play. In XX/XX/XXXX I paid 2 months, to try and catch up, so this month I log in and they have tacked on more junk fees. This company is the world 's worst bank, and you need to shut them down. XXXX is in bankruptcy, but at least they are decent about it. I asked Suntrust to provide proof that our loan went into acceleration and they have yet to provide one single document showing that they have the right to take our loan from {$400.00} a month to {$1100.00} a month. Even the NC XXXX XXXX company stepped in to try and help us, but the junk fees that Suntrust keeps tacking on to our account, keeps our account constantly in arrears. I would like to 1 ) have proof that this is legal 2 ) find out why it has taken 6 months to get our loan modified ( XXXX did ours in a week ) 3 ) reprimand Suntrust for conduct unbecoming of a federally insured government entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
Cornerstone Credit repeatedly calls my phone regarding a debt they claim I owe. I paid the debt through the original creditor ( XXXX XXXX ) and have given that information to Cornerstone Credit, which they acknowledge the debt was in fact paid and they can not report anything to my credit report because it was paid through original creditor. They repeatedly call me to pay their fee, which the bill should never have been sent to them in the first place. I have requested they stop calling, which they do, then start calling again 2 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in XX/XX/2019 XXXX XXXX sold my mortgage of 20 years to XXXX/XXXX/XXXX XXXX XXXX   .resulting in catastrophic results to my credit scores! XXXX XXXX insist they have reported to all of the credit bureaus in which XXXX  and XXXX ARE showing up after 3 months ... but as of XX/XX/XXXX Trans Union DOES NOT SHOW A CURRENT MORTGAGE on my account ( Distorting my credit score by 50 points ) ..I have spent hours on the phone with XXXX XXXX AND Trans union without a solution to this problem ..i am turning to CFPB as a last resort before retaining Legal counsel.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Please see the recording of the after hours call. 
The company below still continues to report this to the bureaus. 

This is the video saved to my XXXX XXXX and shared to you. 
XXXX : XXXX? XXXX=XXXX  Thank you, XXXX XXXX -- -- Collector info : DIVERSIFIED CONSULTNTS Last reported XX/XX/XXXX {$2200.00} Reported balance Original balance {$2200.00} You owe100 % of the original balance OVERVIEW OpenedXXXX XXXX XXXXXXXX ( 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor name11 XXXX XXXX  CONTACT INFO DIVERSIFIED CONSULTNTS P O BOX  XXXX XXXX, FL XXXX USA XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Is my money really safe at Bank of America? Check this out : *** On XX/XX/19, around  XXXX, I deposited {$3600.00} at the Outside Drive-thru ATM ID # XXXX ( SEE PHOTO ENCLOSED ) that belongs to the Bank of America Branch located at : XXXX XXXX XXXX, XXXX, Fl XXXX. I deposited a single stack of bills ( 36 bills of {$100.00}, and 3 bills of 20.. It took a while to process, when it gave me back 2 bills of {$100.00}. Then, it gave me a screen error, which quickly disappeared, and it finished without giving me any receipt, I waited there for a few mins., hoping it would return the rest of my money ( {$3400.00} ),, That's when it hit me : IT SWALLOWED the rest of my Money : IT SIMPLY STOLE {$3400.00}!!! I was in shock, and have become UPSET, WORRIED, SCARED, ANXIOUS AND XXXX  since that night. 
*** ABOUT XXXX, a few mins.later, and still parked in front of that DRIVE-Thru ATM, I went ahead and called Bank of America Customer Service, and was told I would get a {$3400.00} Temporary Credit on my Checking Acct., which I ended up getting the next day, on XX/XX/19. However, on XX/XX/XXXX, BOA took the money away from me, by applying a " TEMPORARY CREDIT REVERSAL '' OF XXXX.. Then, next day, onXX/XX/XXXX, I quickly went to the BOA branch at XXXX XXXX. in XXXX, FL. I spoke to Branch Manager XXXX XXXX, who made a phone call to a Customer Support Associate " XXXX XXXX '', who told me she would re-open the claim for me, and to call back in a few days. However, as of today, I am short {$3400.00}, since she didn't even give me a TEMPORARY CREDIT '' this time. 
BANK OF AMERICA : WHAT KIND OF GAME IS THIS, AND WHY ARE YOU PLAYING WITH MY MONEY ...? 
*** BANK OF AMERICA : IT'S NOT MY FAULT THE REST OF MY DEPOSIT ( {$3400.00} ) IS MISSING AND WAS SWALLOWED BY YOUR DRIVE-THRU ATM mentioned above, and that no-one in your Customer Service, or at the Branches have the authority to help me. If you don't want to check the video, that's your problem. I'm tired of waiting, and need my $ $ for my basic needs as well.

*** Therefore, I am giving you a fair last chance to fix this problem by escalating this issue to Corporate Level, I demand my {$3400.00} to be credited to my account within a few days from this letter, and also a confirmation letter from you before it may become a possible " PUBLIC RELATIONS '', or a legal ISSUE.

Be ethical, Bank of America, DO THE RIGHT THING RIGHT AWAY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Someone at a XXXX XXXX  store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information ... ..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My interest rate jumped on two of my credit cards, the only two I have with Chase bank. My payment doubled overnight. I've been trying to make the payments, but it's hard because I don't work overtime any longer. I am recovering from XXXX. I told Chase this on 3 occasions and asked for a temporary interest reduction to allow me to catch up. They flatly refused stating they would close the account and bring the interest to zero -- but they know and I know that would mess up my credit to debt ration even further. I am asking for advocacy and intervention on this matter. I am a citizen of the United States. I am XXXX years of age and a single mom. My father is a XXXX XXXX veteran whom served a tour with the XXXX XXXX. I have no criminal or motor vehicle record of any kind. Despite being a good debtor this bank has decided to act against me, even though I have a medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Placement Services, LLC
State: WI

Complaint narrative:
XXXX and Professional Placement collector agency are reporting a wrong amount due in a account that they buy from XXXX  XXXX, several weeks I been try to make XXXX to remove the collection from my credit due to inaccuracy but what they do instead is contact the agency ask for the update balance and knowing that the collector is not reporting my payments and the amount that they have is not correct, XXXX  solve to keep damaging my credit and do not removed the inaccuracy account as I been asking. 
I file the same despute with the other credit agencies and they solve to remove the account. I call the collector but they want the total amount they give me hard time accepting the partial payment, I need that account out of my credit because is illegal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: NY

Complaint narrative:
I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: CA

Complaint narrative:
I have contacted Transunion & XXXX several time to dispute the following information in my credit reports. 
XXXX XXXX XXXX XXXX  AMOUNT - {$940.00} This item by Original Creditor : XXXX XXXX, a utility provider in the state of Illinois  placed to collections : XXXX XXXX XXXX is inaccurate because I HAVE NEVER LIVED in the state of ILLINOIS. 
It first appeared back in 2017 on my credit report under XXXX   XXXX. I disputed it immediately with Transunion providing all the necessary documentation substantiating my claim and it was removed. 

Now it has showed up again after 2 years with a different collection agency ( mentioned above ). It is frustrating that I have to waste my time & energy again to take care of this. Both XXXX  & Transunion are not willing to help remove it. It is causing a negative impact on my credit score and the home mortgage rates. 

To substantiate my claim I am attaching the following documents which I had already sent to XXXX & Transunion 1. Addresses listed of all my credit reports 2. Most recent utility bill as address proof 3. Original Lease documents for the current residence in CA  4. Most recent utility bill I would greatly appreciate if CFPB can help me in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have been harassed, treated with litigation & others by Midland collection, Midland Funding LLC,  Midland Credit Management. These Companies have different ( but the same ) Every year since XX/XX/XXXX. The History is as follow : XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Collection Agency XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XXXX XX/XX/XXXX XXXX by Midland Funding LLC XX/XX/XXXX XXXX by Midland Credit Management XX/XX/XXXX I have been sue by these Credit Collection Companies for the since XXXX. Please I need these to stop. 
As you know in the State of Texas one can not by sue after 4 years. Every time is the same : I apologized it was someone else. Please stop Please get theses companies to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc.
State: MI

Complaint narrative:
My husbands student loan is currently being serviced by National recoveries inc. we have been trying to get his student loan out of default since XX/XX/XXXX. The loan servicer said we had to make 9 consecutive payments to get him out of default. We have our payments set up for automatic withdrawal and they said they also need the loan agreement which we have signed and mailed in twice and they said they need reference we told them we do not have any reference to give them because we are already making the payments each month we don't want them bothering our friends and family. They said even if we still make the payments and send in the loan agreement with out the reference they wont take the loan out of default and still try to take my taxes each year. We are not applying for a new loan so we don't know why they need reference if we are already making payments the women told us they need the reference so in case they can't get a hold of him but every time they call he answers. Its not right that they say they wont take him out of default even though we are making automatic payments. It's like they trying to hold us hostage for our friends and families phone numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: NC

Complaint narrative:
Someone called me and asked to speak to me. I asked who is calling and they told me XXXX XXXX debt collection. Requested my date of birth for verification, I didnt give it to her and I asked what it is regarding, the person then proceeded to call out my date of birth. I asked again, what this was about and she asked for the last four of my social. I told her I wasnt giving that to her until I know what the call is about. She proceeded to call out the last four of my social! Then rambled off what the call was for. I asked to speak to a manager or supervisor and instantly regretted it. The man, XXXX is his name, that I spoke to was so rude to me. He tried to tell me that I agreed to the information for verification purposes. I kept telling him that at no point did I share that information but that his employee gave it to me. I told him that I was upset because it could have been someone else on the line. I asked the name of his company again and he continued to be extremely rude and started mocking me. I hung up and called back. In the middle of explaining the situation, I was put in hold and he was put back on the phone. I asked to speak to anyone but him and he told me that he owns that company and its private. They call me multiple times a day and on top of everything, I do not even owe them money!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA continues to report inaccurate medical bill information on my account. Either the co pays have been paid or they are reporting in-accurate amounts. The also report duplicates of accounts, which have incorrect data.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying on my loans for several years with occasional deferments due to internship and residency. I received a letter dated this past XXXX stating I have not made my first 12 payments on time and that a 1 % and .5 % loan credit is being retracted. I called to get information about this situation to which I was told a payment was made late. The school I am attending automatically put my account into " in-school deferment '' which I did not ask for. I called to request this be reversed. I was told it was. I made payments according to bills received and income-based payment plan. Again when starting the next class of my program I was put into " in-school deferment '' which I did not ask for. When I called I was told that is automatic and can not be reversed " until the six month deferment runs out, but you're more than welcome to make payments on those accounts. '' I have continued to make payments only to be told that one month was late ... a month that was in the middle of this in-school deferment I did not request. I was informed years ago when setting up payments that there is a " grace period '' in which to make payments with no penalty. On my last phone call I was told " there is no grace period. '' With this retracted rate, this had added approximately {$30000.00} more to my credit report and student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: NY

Complaint narrative:
I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: NY

Complaint narrative:
I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-21 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: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am writing this letter because my attorney law group ( XXXX XXXX XXXX ) just informed me tha SPS just put my house in foreclosure when I requested a mortgage modification package on XX/XX/2019. Also, I hired an attorney who requested modification in XX/XX/2019. SPS is committing mortgage fraud and I plan to sue this company for millions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
last year around XX/XX/2018-XX/XX/2018 an account with capital one quicksilver account was shown to be delinquent/ charge off on credit card which was incorrect. the information that i receive in an billing statement showed where the payment was suppose to be mailed to ; which i followed then all of a sudden the account never was updated as being on-time, i spoke with the region supervisor about finding out if someone was fraudulent about updating my account. no, response occur over the duration because i had to contact the post office to see where the mail was delivered on time, and contact XXXX XXXX  to put a trace on the money orders which took 3months to complete!! 
capital one was hesitant instead and wanted myself too pay off account which was due {$300.00}. i said i would like to know where did my payments go and why did they not inform myself after the 1st payment was missed? they did not elaborate any more about my account and closed it without my consent or nothing. it was shown being charged off, then paid off 3months later.

Company response to consumer: Closed with explanation