vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Experian to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Experian and they ignored it.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I had some detrimental items on my credit that were incorrect. These dropped my credit score significantly. 

I submitted complaints here and the items were removed. Before these items hit my credit score ( XXXX and Transunion ), it was up to XXXX. Now that all of these items have been removed my credit score is going back up slowly. The issue is that if incorrect items hit my credit report and drop me nearly XXXX points, removing those items because they were INCORRECT and did not belong there should restore my credit BACK TO WHERE IT WAS BEFORE THE ITEMS LOWERED IT. 
What I am seeing is that I am starting back from where the incorrect items brought me down to which was XXXX. This is completely XXXX backwards. This is literally holding me back from purchasing a home. I am ready to sue the doors off of everyone I can to simply get a high XXXX credit score for god 's sake. This is ridiculous and causing XXXX for me. 

My score should be around XXXX and moving up, not XXXX and moving up. 

From XXXX ; XXXX collections were removed ( XXXX, XXXX, and a collection for XXXX ) From Transunion ; XXXX collections were removed ( XXXX, XXXX, and a collection for 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 2017-02-05 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dealer Funding, LLC
State: SC

Complaint narrative:
I have something for a Dealing Funding LLC I have n't had a vehicle from them before. They stated on my credit report that it 's a joint account and that it 's a repossession. I have never had a vehicle repo before either. I have always bought my car straight right until three years ago in XXXX of 2013 as you all can see on my credit report also. I have even tried to contact them from the contact number that 's listed on my XXXX credit report, but unfortunately I was n't able to get through due to it 's an none working number. I also contact XXXX to get another number, but that 's the only contact number that 's on file XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I continue to get a recurring credit card charge every month for an original cash advance I took out years ago. I called Capital one and am told that the charge is perpetual until the balance is paid off. Note that this is not for additional advances rather a single advance in which I am charged twice each month, resulting in my balance never reducing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
We finally received a modification after almost 5 years from Capital One Bank. After 2 months of paying the amount agreed in our signed modification I started to receive phone calls and letters from Capital One saying that I 'm in default. I thought for sure that it was a mistake and just kept paying the amount agreed upon. We Just gave them our life savings of {$100000.00}. I called my lawyer to find out what was going on. Capital One 's Lawyer had no idea so it took weeks for him to get back to my lawyer when he did he stated that Capital One made a mistake when they set up the modification Agreement by not taking into account an escrow shortage of {$10000.00}. They then proposed 2 options : Lump sum of {$10000.00} or 12 monthly payments of {$830.00}. We do n't have any more money. We agreed to this modification because we felt we would be able to afford the monthly payments. The reason we kept getting denied for the modification for the last 5 years was because of ratio of debt to income will if they add this {$830.00} to our monthly mortgage it is almost the same as my original mortgage. The amount in which for 8 or 9 times in court we were told we could n't afford. So now because they made a mistake we can all of a sudden afford it. They should have put some of the {$100000.00} towards the shortage. They made a mistake. We never would have agreed to this modification if the monthly payments were any more money than what we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I have our monthly mortgage to be set to a monthly draft on the XXXX of the month currently through Loan Care and it was through XXXX prior to XXXX set for the same monthly draft date. XXXX always sent through the payment request on the XXXX and it would show pending on that day through our bank account, per my verbal agreement with Loancare that we set up after receiving a phone call that our mortgage had been sold after we were already two months behind on payment. I was told I would have received a letter. However, I never received a certified letter stating that and that would be the expected normal as this is a very important matter and determines my financial livelihood. Anyway our payment for Loancare went through pending as of the XXXX this month, which was a huge problem because our payments from the company we work with do n't go through until the XXXX and so our account overdrew and and I was n't able to cover which is why we are set up to have this drawn on the XXXX. 

In addition to the other XXXX events our mortgage payment jumped {$400.00} starting on XX/XX/XXXX Our property was appraised XXXX actually in XXXX and we were informed our taxes would go up for the following year. Well they stated in escrow that we were over our balance and have now more than doubled on the increase to cover for last year and now to move forward for this year. They are unwilling to take a cover balance for the remaining due and make our payments at least half the increase moving forward. I am looking further into the pay increase, but we were led to believe the increase would occur for XXXX not 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 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Worldwide Recovery LLC
State: CA

Complaint narrative:
They threaten that they will come to our residence or business to " serve '' us. Numerous empty threats many of which I have saved voicemails on my phone.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank, clearly advertises that family members of veterans may obtain checking accounts with them. That is only partially true. In there national commercial they clearly state that siblings of veterans may obtain an account. When you call USAA Bank, a sibling is not allowed to obtain an account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX card issued me a credit line through comenity bank, they gave me a credit line of {$1000.00}, i go to XXXX SITE and shop on their easy payment plan iyems, ive been doing my monthly payments not until i noticed that my monthly dues doubled, when i reviewed my account i found out that they raised my credit to {$2000.00}. after i found out i immediately closed the account and contacted comenity bank and asked if they could lower my APR, but instead they gave me a generic response. i still make monthly payments but i can only afford half of the amount. i never asked for credit limit, i think what they did was fraud, i own a few credit cards and its always me who ask for a credit limit., but comenity took advanatage of me, i was a good payer and not until i ca n't keep up my monthly dues, i reach out to them twice but they i always get a generic answer and they are not willing to help when it comes to lowering APR and late fees, even though i make monthly payments but since im not paying the minimum bal. they charge me for late fees and apr. they have been harassing me, calling me everyday under : unknown '' caller. i want to resolve, but im only willing to pay the amount i owed with low APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NAM National Arbitration and Mediation
State: NC

Complaint narrative:
Deformation of character by sharing confidential information with my parents. Improper sharing of information include ( ie : verified debt collection, shared the file #, stated will file civil suit if I did not call by XXXX PST, verified my full name and date of birth ) The debt collection is for a debt closed in XX/XX/2009 - thus greater than 7 years. The ADR GROUP has NOT contacted me. The information provided was given to me by my father.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Citi.com ( their Costco product ) I disputed a charge. They appropriately credited my account -- then inexplicably put the charge back on my account. Their customer service department says it will take 6 months? They are still charging me the full amount ( XXXX ) on my monthly statements and say there is nothing they can 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 monetary relief
Consumer complaint received 2017-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has removed and stopped reporting my primary credit card to XXXX without my consent and is REFUSING to re-report the account ( to XXXX ) despite my repeated attempts to have this done. This has resulted in my credit score being reduced to a score from well over XXXX down to XXXX and has the potential for future credit applications being denied.

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 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.

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 2017-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MNE Services, Inc
State: IL

Complaint narrative:
I took out a payday from USA on line and paid them back through my checking account. I started receiving threatening phone call and eventually from a XXXX XXXX who stated he was an attorney and my case was going to be filed in court on XX/XX/XXXX unless I pay XXXX XX/XX/2011. He had me to purchase a XXXX card and fax a copy of my ID and a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. Every year since then I keep getting these phone call. Now XXXX XXXX is calling my home, relatives and work threatening to take me to court for this payday loan that is already paid back years ago.The lady stated her name was XXXX XXXX at XXXX and XXXX. I do not owe these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: ME

Complaint narrative:
Given ridiculous interest rates as high as 12 %, and Sallie Mae refuses to consolidate my loans and work with me to lower my monthly payments despite making only slightly more than minimum wage. I can not afford these payments at all and there is nothing I can do about it because the loans keeps gaining interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: Comerica
State: MN

Complaint narrative:
I have been charged {$4.00} two times to have my card replaced when fraudulent transactions were place on it : both were refunded my the merchants stating they were fraud but DirectExpress will not reverse the fees now I have not received the second replacement card and I am being told I need to pay {$4.00} again or {$13.00} to get a new card overnight. They will not transfer my funds to another outside account without the new missing card number nor will they close the account and send a remittance for the balance. I have no way to get my ssdi without paying more money to get my needed benefits they are basically withholding from me at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: LK Manley, Inc
State: WV

Complaint narrative:
I have a ambulance fee of {$430.00} from XXXX XXXX 2013, I had Insurance when i used this service. I just noticed it was on my credit so I gave them a call and told them i had insurance when i used this transportation service and that they did not run my insurance card, she informed me that It was way to late for insurance information to be given and that I had to pay this fee to collections. It js there fault for not running my insurance card and now i am stuck with an unpaid balance of {$430.00} on my credit. I never knew i owed them any money for this service until I started getting collections notices from this company

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
I purchased a XXXX home in XX/XX/2013. The original purchase price was {$170000.00} and I put 15 % down. I was at 85 % LTV with a loan amount of {$150000.00}. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in XX/XX/XXXX of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with XXXX guidelines for automatic PMI removal. They sent me back a letter saying that I needed to authorize and pay for an appraisal and then they would make a determination. They will not let me speak to anyone making a decision. They just keep telling me that I need an appraisal. No one rebuts what I am saying or shows me where I am wrong. I did confirm with the lender that my loan was scheduled to reach 78 % of the original balance in XX/XX/XXXX of this year. HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
I have contacted this company called, Swiss Colony directly through mail letting them know that I am disputing this item on my credit report and also that this account is fraudulent because I never received the item they are charging me with {$130.00} on my credit report. I have seen that they have not place the notice that the item have been disputed by consumer. I know it 's been over 30 days and I am willing to go to court for their negligent. I want the item to be taken off all my credit reports. I have a fraudulent alert on all my credit reports because of this item from Swiss Colony sticking me with this unpaid account. They ca n't prove anything that this account is actually mine or if I have signed an agreement bearing my signature. They could n't provide the information to me. I just want the item to be removed from my credit report. I am so willing to forget going to court in exchange for them to remove the item off all my credit reports. I have letters to prove that I have written to them that I have disputed the item on my credit reports and they still have broken the law by not providing the dispute statement on my reports.I have also let them know that the account is not mine but they want me to get a police report to prove it. I told they that I always use Apt XXXX B to get my mails because of my neighbors beside me, it is possible that they could have receive the product from Swiss Colony and never report it. I did not order anything from them and they refuse to believe me and I want them to remove this account since they have closed it. The statement is still not on my reports after I have disputed the item. So they have broken the law and I want it removed off all my credit reports. Swiss Colony have violate the FCRA section 623 ( a ) ( 3 )

Company response to consumer: Untimely response
Consumer complaint received 2017-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC

Complaint narrative:
Carrington Mortgage is charging a {$35.00} overdue fee for XXXX unauthorized appraisals/inspections - XXXX on XX/XX/2016 and the other on XX/XX/2016. In the past year, my mortgage payment has increased {$95.00} ; no prior notification regarding the higher payment was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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