vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: SC

Complaint narrative:
This is a continuation of complaint XXXX, since the servicer did NOT resolve the issue described in that complaint. The company 's response to that complaint included this : " We show that the account was setup on our Max Pre-pay Plan on XX/XX/XXXX. Please note that this allows for the additional funds to be allocated for payments, which is why the funds were being designated as unapplied funds until they were enough to satisfy a monthly payment. We understand that this is not what you were requesting and apologize that you were setup on this plan. We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. " Firstly, I never requested my account be set up on such a plan in the first place. During that XX/XX/XXXX call with a customer service rep, I was trying to resolve another payment issue in which my entire payment had been converted to purely interest curtailment ; the customer service rep told my my account had been set up incorrectly, and he could change it so that any additional amount I payed above the required minimum payment would automatically go towards principal curtailment. That sort of account alteration is what I agreed to. There was no mention of a plan named " Max Pre-pay Plan '', nor was the change he was going to be making described as any additional payment above the required minimum payment getting dumped into " Unapplied funds '' with no curtailment of principal. 

In addition, regarding the company 's statement that " We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. '' I submitted another payment XX/XX/XXXX in the amount of {$3200.00}, which included a monthly payment amount of {$2000.00} and an additional principal amount of {$1200.00}. The on-screen confirmation as well as the emailed confirmation accurately reflect my instructions for applying the payment, as described. Despite those confirmations, the company decided to not follow those instructions upon payment processing, instead treating the additional principal payment as " Unapplied funds '' which did not curtail the principal balance : Unapplied Funds XX/XX/XXXX {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/XXXX {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have called Capital One and spoke to XXXX. I asked if there was anyway to reduce the APR. My current APR is 24.40 % when I called the automated system. XXXX  advised that there was no offers to reduce the APR. I am asking for a reduction in the APR since it is at a very high rate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
On XX/XX/XXXX, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 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: Mar Joe Enterprises
State: TN

Complaint narrative:
This account shows no balance. This account was included in bankruptcy. The company still reports it to XXXX as an OPEN collection account. I have tried numerous times to get them to correct this with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am trying to close my PayPal account, however, this is not possible because PayPal states I have a balance. I do not have balance in My PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't  appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Collections U.S.A., L.L.C.
State: WV

Complaint narrative:
I have disputed this account with each of the 3 credit bureaus and the only response I got was a statement added to the account stating that I disputed it. I have submitted a compliant to you in regards to this and the company responded that I disputed the claim with their office on XX/XX/XXXX which is true however to date I have no verification that this is my account. I have NEVER seen this physician and have contacted Credit Collections and the credit bureaus numerous times and am getting no where. This account needs to be removed from my record with all 3 credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I had sent an email to XXXX XXXX to revoke ACH consent as I am struggling financially and need to set up a different payment plan. I also sent a Cease Communication notice and advised them that I would reach out to make arrangements when I was able. On XX/XX/XXXX they withdrew funds from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
On XX/XX/XXXX I recieved phone call on my work phone XXXX XXXX XXXX from XXXX with vm to contact them. I sent them a cerified letter dated XX/XX/XXXX requesting that they do not call me at work and they recieved XX/XX/XXXX. I have all documents. I called them back at XXXX est XX/XX/XXXX and spoke with XXXX in regards to vm. She was trying to collect money on bill that I have been paying them regulary since XX/XX/XXXX. I asked why she was calling after they had wriiten notice and she stated it wasnt handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Submitted a dispute for a portion of a charge for services which were performed improperly and incompletely, which resulted in damage to my vehicle. I disputed {$450.00} of the total charge of {$870.00}.

The disputed charge is the first line item in the attached bill of service : " Major Tune Up, Parts and Labor ''. I disputed this charge because the spark plugs were improperly installed, resulting in my having to take the vehicle to a XXXX dealership for correction, which cost me an additional {$190.00}.

Bank of America refused to credit me the {$450.00} ( all correspondence is attached ) even after I provided written validation/verification from the XXXX Service Manager ( in addition to the invoice, which clearly states the spark plugs were loose/not installed properly ).

Bank of America DID NOT provide Consumer Protection to me in this case and the dispute process was a complete failure.

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 2018-05-04 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: MA

Complaint narrative:
I was sued by XXXX XXXX  XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: MA

Complaint narrative:
I was sued by XXXX XXXX XXXX XXXX. on behalf of XXXX XXXX XXXX for a credit debt I do not owe. I received a judgment against XXXX XXXX XXXX from the XXXX District Court. XXXX XXXX XXXX is still reporting the incorrect information on my credit report. I disputed the incorrect information with the credit report, but it was not removed.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The company is named XXXX XXXX, There two account with them. The first account show 120 days late with no payment history which was paid in full. I spoke to them about the account and told them that I paid it off. The person that was handling the account at the time post my payments to the wrong account and did not never fix it on the credit report. The company had a greed to remove it but never. The district Manager prior to leaving the company had agreed to fix it but left before completing it. 

The other account was agreed in the amount of XXXX to pay the account in full and then declined after a new district manager took over. I contact the company about the problem they ended up taken the payment after going back and forth about it but then reported 30 days late which now is effecting the lost of XXXX dollars point purchase towards a new home for my family.This has dropped my credit score down by 95 points which makes my mortgage lender to back out of the purchase with a lost on money for me. 

This is not fair in keeping the integrity of the companies word to the customer. I have disputed this item several time and it remains unchanged with a letter for request of removal from the the company.

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 2018-05-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I applied for a new home equity loan with my bank Chase. I make mid 6 figures of income, have absolutely perfect credit, I have my first mortgage paid off, 800 + FICO score, no credit card debt and currently over {$100000.00} in my various checking accounts at Chase. In my humble opinion, an excellent credit profile. Chase told me I was approved for a {$100000.00} home equity line of credit. Then they call me yesterday and wanted to know why I wrote a check to the XXXX XXXX XXXX for a little over {$20000.00}. They have no right to go into my checking account and look at my cancelled checks. They violated my privacy and my constitutional rights. By the way the check is for a family vacation rental this summer. I am filing a complaint that my privacy rights and constitutional rights have been violated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have not been receiving rewards certificates for my best buy ( citibank credit card. ) I received a {$5.00} certificate that was reissued yesterday. I called their customer service number to find out what was going on. I have {$50.00} worth of reward certificates on my account, but their computer system says they were sent out so they can not be re-issued. I have checked every email account and can not find record of any emails with the reward certificates. I did find one for {$20.00} in XX/XX/XXXX.

I spoke with one gentleman before asking to speak to his supervisor ( who did not know what a supervisor was ). I spoke with XXXX ( Case ID XXXX ) today XX/XX/XXXX the entire call was from XXXX to XXXX XXXX ( CST ). I was told it was recorded.

No matter what question I asked, I was given a scripted response.

What is the point of having a rewards program when I can't used rewards points I was earning. I was specifically using my credit card to earn certificates to purchase a computer with Best Buy.

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 2018-05-04 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: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX On XX/XX/XXXX, I submitted an application for income based payment. I went to studentloans.gov and granted access to a joint tax return with myself and my wife showing both of our income. On XX/XX/XXXX, I received a notice from Nelnet stating that my application was incomplete and that I need to submit proof of income. I responded with a copy of my Paycheck stub immediately. I then received on XX/XX/XXXX with a duplicate email requesting proof of my income. I went back to my email and submitted the same attachment showing my income. On XX/XX/XXXX I received another duplicate email requesting a copy of my income. On XX/XX/XXXX, I contacted Nelnet via phone. I was told that it was not MY income that they needed, rather a copy of my spouse 's XXXX. On XX/XX/XXXX, I received a letter stating that {$3700.00} was being added to my principal balance and that my payment would increase from {$280.00} to {$1000.00}. I am frustrated that the correspondence with Nelnet was vague and their communication with customer service did not specify that the income I needed to submit was for my spouse, not my own. I have asked Nelnet to reverse this capital interest penalty and calculate my payment appropriately and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018I pulled a copy of my Equifax Credit Report through XXXX. Upon reviewing it I noticed that there were several hard inquiries listed that I did not recall authorizing. Given the recent data breach issues that have taken place with both Equifax and XXXX I began to suspect that someone had obtained my personal information and attempted to apply for credit using it so I contacted Equifax to dispute these inquiries. The customer service representative I spoke with was very polite and immediately filed disputes for each of the hard inquiries I indicated I had not authorized. After filing the disputes the representative informed me that it could take up to 30 days for the disputes to be reviewed and researched so it could take up to 30 days before I would hear back about the results which I understood. As of todays date, XX/XX/2018, I still have not received any information regarding he results of my dispute. I have not received a letter in the mail, an email, or a phone call, and it has been well over 30 days. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. That fact that I have not received any further communication from the CRA regarding my disputes one can assume there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit negatively impacts my credit profile and score which in turn makes it difficult to obtain a mortgage. I am submitting this complaint due to a lack of investigation AND response to my original dispute for hard inquires that I did not authorize as this is unfair practices by a credit reporting agency with no concern for the credit worthiness of its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have opened a Dispute with Bank of America and it was filed under the wrong description and miscategorized as my friend was the one that helped me with the initial Dispute.I called several times to have them work through this with me and edit the information since I have proof that the merchant was never shipped to me and seller took my money. Bank of America seems to be adamant in helping me out. Today XX/XX/2018 I called again and the supervisor I was talking to hung up on me when I offered to email proof that seller never shipped merchandise to me. Bank of America should be helping me not killing me and I am very appalled.Seller gave me tracking number from XXXX as XXXX ( number does not exist ) in tracking system. I believe I have been scammed.

I attached correspondence with the merchant to this Dispute.

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 monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: 1st Franklin Financial Corporation
State: LA

Complaint narrative:
First Franklin Financial Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit  reporting bureaus.

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