vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-15 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: World Acceptance Corporation
State: TX

Complaint narrative:
sent the ftc violation with XXXX XXXX and XXXX XXXX ftc violation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
On Monday XX/XX/2019 I made a payment of {$100.00} that was credited to my acount immediately. Then on Wednesday XX/XX/2019 I made a payment of {$6000.00} from the same account. I tried to use the card on Friday and the card was declined. When I looked up my account it showed that I had {$0.00} available to spend. I called customer service and they informed me that my credit line would not be available until Friday XX/XX/XXXX. The electronic payment has already cleared my bank. They told me that it would take 7-10 business days for my payment to clear which I feel is ridiculous. Now I can not use my card and I do not have the funds in my account.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XX/XX/XXXX. So I contacted the bureaus and they stated the charge of was I XX/XX/XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent the ftc violation with XXXX XXXX  and XXXX XXXX ftc violation

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 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I received notice from the United States Bankruptcy court of New York on the face that Ditech XXXX XXXX filed for Chapter XXXX bankruptcy. I have seen on the document that Ditech sent me that the balance of my mortgage is XXXX. I have also noticed that the interest rate that I am being charged is 4.75 % ( which is above the market rate ) and the term is 30 years. I have a concern that after making 3 payments that the actual trial payment for the last 2 months was a total of XXXX per month. After reviewing my records I found that my original payment for the last 7 years was XXXX per month. Based on the payment they have given me I am now XXXX over my old payment. This is not what the modification regulations state, it was supposed to get me an affordable plan and lower then what my old payment had been. Ditech has received XXXX as a partial claim on my FHA mortgage insurance and yet they have made my payment higher then the old payment. I have enclosed an amortized plan using 4.25 % which is closer to today 's current market rate of 4.00 %, I also extended the term from 30 to 40 years which can be allowed as per modification regulations, this reduces my payment by XXXX per month and puts my modification on a permanent basis below my old payment, this is what a modification is supposed to do. 
When I contacted the Bankruptcy Court in New York and told them about my modification, the fact that you Ditech has received a large sum of the mortgage from FHA ( XXXX ) and that they increased my payment instead of reducing it I was told to send this letter requesting a reduction and to fill out their bankruptcy claim form and include a copy of this letter.I was also told that if my payment was not reduced, i was to activate this claim and send a notice to the United States Bankruptcy Court XXXX   District of New York.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2019 I filed a claim with Bank of America for unauthorized use of my ATM Debit Card. 4 charges from XXXX XXXX totally {$3300.00}. The 1st charge was for {$850.00} on XX/XX/2019. The other 3 charges were on XX/XX/2019 in the amounts of {$850.00}, {$840.00}, {$840.00}. I called Bank of America back on XX/XX/2019 and was told my claim to be reimbursed was denied because I " checked my online account '' throughout the period of the fraud and did not report it in a timely manner. I was advised by the Bank of America employee to write a letter disputing the denial and fax it to XXXX ( Debit Card Operations ). I faxed the letter on XX/XX/2019 and called Bank of America back on XX/XX/2019 to confirm it was received. I was told yes, it was received and it could take up to 60 days for a " final decision ''. I called Bank of America today, XX/XX/2019 to get an update and to find out any further information and the Bank of America employee, XXXX, was only able to tell me my claim had been assigned to a specific individual in the Fraud Dept but she was not allowed to give me any names. 

I have also called XXXX XXXX and they assured me my wireless account was not used to purchase the phones paid for with my business debit card. 

The Claim # is 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 monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/2019 Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX BANK ACCOUNT XXXX Dear Midland Credit Management I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 

Also I sent out Certified mail receipt On XX/XX/2019 not sure if the post office is on strike there or Guys have a bad address listed per the Tracking # XXXX XXXX XXXX XXXX XXXX is why I reached out via this site because I dont have time to get another letter to you in time. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
{$330.00} collection which I have been attempting to contact national credit   systems for over a year. I have asked for verification or resolution if debt mine. I have sent correspondence to company advising best forms of communication/ mailing address and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XXXX of XXXX. So I contacted the bureaus and they stated the charge of was I XXXX of XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I disputed a late payments on my credit report that were showing from XXXX XXXX XXXX on XX/XX/XXXX. As a result of the investigation the status did not correct the late payments. But instead it changed my status from Paid with having the late payments to a Charge off. I was totally confused by this because my truck was paid off in XXXX of XXXX. So I contacted the bureaus and they stated the charge of was I XXXX of XXXX. I sent the bureaus proof which were bank statements that showed I made the payments to XXXX. I also sent the same bank statements and disputed it with XXXX. The bureaus continue to sent me result letters stating that the information is verified by the creditor. They are ignoring the fact that I showed them the bank statements showing I paid the truck off. The bank statements show payments made in the month they show late payments and charged off. This is not Fair.

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 2019-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Dear CFPB representative Hope this email finds you well. I am having an issue with Navient private student loans. I have being making double the minimum payment and instruct Navient during everypayment that overpayment be allocated to principal. Navient does not allocate the additional payment, but continues to charge it towards interest. I called email navient in reference to this practices and they replied but stated that I should allocate extrapayments as directed which I do. I never being delinquent. I spoke with a representative on XX/XX/2019 her name is XXXX   ID # XXXX for 45 minutes in which the whole time she tried to change and denied improper payment allocation. She stated " Interest capitalization must be paid first until it zeros out interest than overpayment goes to principal, '' I challeged her on this because another loan does not have a zero out interest and the payments go to principal, which she replied that it did, only to retract that comment and say that its not zero out but that change of terms of the loans change daily. I have health issues, I am working seven days a week to pay my loans, and this is affecting me physically and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: SC

Complaint narrative:
I have made several attempts to contact this company regarding my PMI being cancelled. I meet all requirements, but am receiving letters stating ineligibility. 

I had a problem with their billing several months ago, which took several months for them to work out. To prevent errors in billing, I was told BY LOANCARE to hold payment until they could work it out. They added comments to my account and waived late fees. 

I am eligible to eliminate my PMI based on home value and loan amount, but they are denying it because I show those months without payment. I have never been late, except when THEY told me to hold payment.

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 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I have faxed in two requests and mailed two separate letters to SLS regarding the removal of PMI from my account. I have not received any type of response. CFPB complaints seem to be the only want this company responds to basic service requests. 

No house in my neighborhood has sold for under {$230000.00} in the last 24 months. REMOVE PMI FROM THIS ACCOUNT. Run a brokers price opinion if needed - you will see the increased value and the recent sold him prices. 

Thank you,

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 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Credit card rejected because of Experian report Request experian report. Requests ID with link to upload page. 

Upload page does not specify any requirements upfront about images. 

Only after uploading XXXX, learn it not accepted. Only XXXX or PDF. 

Upload XXXX, learn of total 15mb file size requirement across all uploaded docs ( 2 uploaded ) I upload a compressed XXXX. Learn for first time only accepts black and white XXXX. 

I convert images to black and white. Still rejected. 

Unreal.

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 2019-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have the monthly payment set up on autopay, but they occasionally increase the payment amount by a few dollars. I'll then end up being a few dollars " late '' on my payment, they'll flag my account as delinquent, and charge me a bunch of late fees.

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 2019-04-15 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: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
My card was stolen and used I notify the credit card company as soon as I realized what it happened and we started the process it's been a back-and-forth but I have sent the filled out paperwork to them multiple times at this point in each time they come up with a different excuse why they can't help they have a legal obligation to investigate and remove the fraudulent charges from my account they have failed to do that in violation of the law

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 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called regions banking filled s complaint on my account of fraud. To my debit account and the closed the account and sent me a new visa depot card. I had to close my XXXX Visa card as well because I was sent an email where they asked for my information and it was fraud which I gave out. There were two charges by wow airlines on my regions account on XX/XX/XXXX for XXXX and one for XXXX. I filled s complain of fraud with regions and they said they denied the claim. I went on to the web sight of wow and I see they went out of business so is that fair I lose my money cause those charges were made? I dont think that is fair that. Someone can get into my account and I lose my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX moneylion emailed me saying I'll get {$20.00} if I sign up for their plus product, but I already signed up for it, and every time I respond asking for the {$20.00} they say they have no idea what I'm talking about or I should be getting it soon. I was referred by XXXX and based on that should be getting the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 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: CITIBANK, N.A.

Complaint narrative:
There were 3 x fraudulent transactions on my credit card. On XXXX XX/XX/2015 there were two amounts of XXXXaed taken from my Citi bak credit card. I have raised this fraudulent activity with the bank and they have not conducted investigations or refunded the money to me. I suspect these are fraudulent transactions.

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 2019-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I contacted Mr Cooper/Nationstar on XX/XX/2019 notifying them I had received a statement on XX/XX/2019 that I had an escrow shortage of {$430.00}. I paid the escrow shortage in the amount of {$430.00} on XX/XX/2019. My payment was supposed to go down from {$1200.00} to {$1100.00}. There was and has not been any change in my payment even though I paid the shortage. I have contacted them 2 times telling them specifically what the issue was. One time was on XX/XX/2019 and I received an email that I would be contacted in 3-5 business days. After not hearing anything from them and no change for a few weeks I contacted them again on XX/XX/2019 and received and email that I would be contacted in 5 business. To date I have not gotten any response and I continue to be overcharged on my escrow. Ive paid the shortage and they are still charging me the pro rated increased payment even though I have notified them 2 times and provided there own escrow statement to them with the figures and details to support it. They are flat out refusing to adjust it or even acknowledge or contact me. Im simply being ignored and dismissed while they continue to take money from me incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent a letter to Equifax asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. Equifax stated in their response that the account with XXXX XXXX was updated but noting was mentioned about XXXX XXXX. The letter was received by Equifax on XX/XX/2019. I did not receive a response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. That is well beyond the 15 days allowed. Additionally, I received a letter from XXXX XXXX XXXX   dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask Equifax how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?

Company response to consumer: Closed with explanation