vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-03 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: Equitable Acceptance Corp
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/XXXX- XX/XX/XXXX and I have NEVER been late. XXXX acceptance made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit file. They are reporting two lates for XX/XX/17- XX/XX/17 and I have NEVER been late. XXXX XXXX made it very clear to us if we get any lates they would come and take our furniture, so we made sure our payment was made on time each month. We still have the furniture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I am writing to dispute a billing error in the amount of {$800.00} assessed on my previous loan # XXXX serviced by Citimortgage. My previous mortgage servicer CitiMortgage mistakenly foreclosed on my home in XX/XX/XXXX. Due to this mistake, the foreclosure was rescinded and Citimortgage waived all the Fees ( Letter attached. ) However shortly after, Citimortgage inaccurately charged an {$800.00} fee to my loan on XX/XX/XXXX ( Citimortgage Expense history attached ). This was inaccurately charged to my loan as citimortgage previously waived all the fees due to their error. I have previously asked citimortgage to remove this inaccurate charge, however they have not removed it and citimortgage has not provided me any evidence ( Break down of charges equal to {$800.00}, detailed description of services rendered for each fee, date of services rendered for each fee, amount of each fee and copies of original invoices for each fee which adds up to the {$800.00} ) confirming that this  charge was accurately assessed. Due to this inaccurate {$800.00} fee charged by Citimortgage which was in direct correlation with the mistaken foreclosure in XXXX which citimortgage has waived all fees, I am requesting citimortgage refund me the {$800.00} which they had charged my new servicer ( XXXX XXXX history attached ) when the loan service transferred to XXXX XXXX loan # XXXX. Please have Citimortgage refund the {$800.00} to me so that I can refund the {$800.00} to my new servicer to correct the inaccurate charge.

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 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018 I complained to Equifax about hard inquiries on my credit report that should not be there and also I always have problem with them in obtaining my free annual report every year. I discovered they have my name listed as XXXX XXXX my name is XXXX XXXX and as requested I mail to them a copy of my drivers license, copy of my social security card and electric utility bill. In that request I also wanted hard inquiries from XXXX XXXX XXXX, one from XXXX and XXXX removed I was given online a confirmation number of XXXX. 
On XX/XX/2018 they sent me an email stating they concluded and provided an online confirmation number of XXXX and I could not get online. Today XX/XX/2018 they sent me another email with the same confirmation number, I tried to get online again to no avail I used both confirmation numbers. 
I have had this problem with Equifax for years and is causing problems with companies when they tried to verified my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: SC

Complaint narrative:
I WAS IMPACTED BY HURRICAINE " MICHEAL '' HERE IN SC IT WAS DECLARED A " NATURAL DISASTER '', I HAVE BEEN CONTACTING XXXX XXXX XXXX SINCE THEN STILL TRYING TO BATTLE THEM CHARGING ME {$27.00} -LATE FEE TWICE AND {$38.00} PMNT XX/XX/XXXX & REP : XXXX XXXX STATED THAT SHE CAN ONLY REMOVE ( 1 ) OF THE 3 LATE FEES AND SHE COULD NOT DO ANYTHING ABOUT THE " NATURAL DISASTER '' FOR ME, SHE STATED THAT I WILL HAVE TO WRITE : XXXX   XXXX XXXX ( CORRESPONDENCE TEAM ). THE REP ALSO STATED THAT THERE WAS NO PHONE NUMBER TO CALL FOR THAT SPECIFIC DEPARTMENT. I HAVE DONE THIS WITH MY OTHER CREDITORS AND THEY PLACED THE NATURAL DISASTER CODE ON MY ACCOUNT AND STATED THAT MY PMNT WILL BE DUE XX/XX/XXXX. I AM HAVING A VERY HARD TIME WITH XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: U.S. BANCORP
State: WA

Complaint narrative:
I called US Bank, for my XXXX mastercard, to try and get a credit line increase on XX/XX/XXXX ( to raise my credit score - as im soon to be refinancing my house ). They stated there may be a hard inquiry on my credit score, to which I responded " I do not authorize that '', and which the customer service representative replied " ok ''. 3 days later ( on XX/XX/XXXX ), a hard inquiry showed up on my report. I called to ask them to remove it, as I did not authorize it, and they claimed I did the request online, and that I did authorize it, even though the conversation was recorded. I explicitly said that I did not authorize it. I would like this hard inquiry removed please.

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 2018-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF Bank without any prior notice to me in writing or any other form of communication debited my account {$160.00} from my checking account. While I was physical at the XXXX branch completing a transaction with a teller. My account was setup as close to debit since no additional information was available Or documented in my account. After filing a fraud complaint form per XXXX branch manger on duty, XX/XX/2018 at appropriate XXXX XXXX, I was instructed to initiating a police report with XXXX Police. I was promised a follow up in a few days from the TCF fraud department. After not receiving any communication I called a number listed on the Fraud complaint form to my surprise the branch never submitted the forms. 

The representative assured me follow up will be communicated. Days later I was notified the deductible was for a safety deposit box that was open five years prior and the fees was for four years of rental payments. Perplexed I visited the opening branch seeking clarification. The male Teller advises a lot of complaints has been coming in from customers such as mine because there account was debit without knowledge for account setup years prior. I was contacted by XXXX XXXX, TCF supervision of operations responded to my inquiry from the branch visit via a retuned phone call. XXXX explained I should have had a checking account setup for yearly deductions so it wouldnt have been so long before the funds was taken without and communication prior. 

I explained it was indeed setup with a checking account and wanted a copy of all communication concerning the safety deposit box. She explained there was no form of communication linked to my account that could be resent no record of letters or any other form of communication. Despite all other transactions being documented over the five year period. I explained my frustration with not being noticed of the deduction for a transaction that wasnt even communicated to me by any other means prior to the withdrawal. XXXX explained I can contact XXXX since she had no additional information on the letter that was suppose to be generated over four years and nothing could be done about the refund of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 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: PA

Complaint narrative:
I have a monthly auto payment set up for my account with Navient. Each month, I check to see how much was paid for the loan principal versus the interest. For multiple months now, my loan payments have been allocated incorrectly and a majority of my total payment has been charged toward interest. I have called each time, and the customer service reps have no been helpful. Most times, I have to tell them why this should not be, even though it is common sense that I should not be paying more for my interest since I have not been late a single payment and have paid additional amounts to keep the interest payments low. Last month, {$170.00} of my {$350.00} payment was put toward interest. The customer service rep said she didnt see the problem, even though the previous month I paid only {$14.00} in interest. She then said I usually accrue {$94.00} in interest a month. She still didnt see why {$170.00} was way too much for interest. I even looked up the interest calculator that Navient used to calculate each studenta interest payment. It took 2 days for my payment to be corrected. This has been an ongoing problem. I have contacted Navient at least 4 times about the same problem, and each month they take days to get it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CO

Complaint narrative:
I took out a {$1000.00} pay day loan which was received on time, However after I reviewed the documents for the repayment of the loan, I saw they were charging me 790 % interest. the total pay back amount is {$4100.00}! I should have looked better, that is my fault, but I thought there were laws that pay day loan companies only could charge you so much interest. I would not have agreed to this if I would have known.

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 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX  deleted the accounts as of XX/XX/2018 but they still remain on file under Transunion and XXXX. 

these accounts should be excluded/removed from my credit file based on the 7 year 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 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony bank lowered my credit limit on my " Lowes '' credit card from XXXX to XXXX. In response I closed the following accounts which are serviced by synchrony bank : XXXX XXXX XX/XX/2018 ; JCPenny-closed XX/XX/2018 ; Lowes-closed XX/XX/2018. In response to my action Synchrony bank retaliated by lowering my Walmart Mastercard credit limit from XXXX to XXXX on XX/XX/2018. They " synchrony bank '' delayed crediting my timely mailed in payment for XX/XX/2018 causing a late charge to 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 2018-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have 3 accounts on my credit file from XXXX XXXX - acct # XXXX they are all listed with the same account number these accounts have been on my credit file for longer than 7 years. XXXX deleted the accounts as of XX/XX/2018 but they still remain on file under XXXX and Equifax. 

these accounts should be excluded/removed from my credit file based on the 7 year law

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
My experiences with Rushmore Loan Management Services suggest that their automatic billing processes are prone to error and lack transparency. 

In XXXX of 2018 I changed the way I paid my mortgage from automatic payments initiated by my checking account to using Rushmore 's automated debits, which would automatically deduct my payment each month, and would automatically adjust when changes to my escrow payment required it. 

I'd forgotten to cancel the monthly payment initiated by my bank, so I made two payments in the month of XXXX. When I realized this, I contacted Rushmore and asked them to reassign the overpayment to my principal. On XX/XX/XXXX, I expected Rushmore to debit my account per my automatic payment agreement, but this did not happen. I was traveling abroad for much of XXXX, and did not realize this until XX/XX/XXXX. 

When I spoke with a Rushmore customer service agent, I was informed that my payment for XXXX was not made because the double payments for XXXX caused the account to register no balance due. I also learned that both payments from XXXX had been attributed to principal, so I was in default for XXXX as well as XXXX. Furthermore, my account was not debited as usual in XXXX since my account was in default. I incurred approximately {$110.00} in fees due to the missed payments. 

Rushmore encourages users to use auto draft payments : their website states : " Rushmore highly recommends setting up recurring auto draft payments, if your loan is eligible for the service. Signing up ensures you will avoid being late on your loan payment ''. I did this, and consistently had sufficient balance in my checking account to cover the drafts. Nevertheless, my account became overdue and I incurred fees and had negative impacts on my credit score. It also took some time and inconvenience to resolve the issue. Furthermore, I was not able to find any information on Rushmore 's website ( rushmore.customercarenet.com ) that showed the terms of my existing recurring bank draft agreement, nor did I receive any communications from them explaining that my bank draft would not go through as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
my prior complaint with CFPB is XXXX and the Huntington Bank case # is XXXX. I thought they had fixed the errors but it isn't. They have now take the one line of credit that was paid off and reopened it adding around {$3300.00} in debt and now have subtracted that amount from the other line of credit that should have all the debt. 

On another note I just had my credit run and now the XXXX who is guarantor on these lines of credit shows they have charged of {$23000.00} in this debt, yet I have never missed a payment to Huntington Bank and I am continuing to make payments to Huntington on a monthly auto pay system. I have frequently called the Huntington reps and am getting blown off again. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I filed a dispute for an ATM Withdrawal where funds requested were not dispensed which occured on XX/XX/2018 for {$320.00}. After initially filing the dispute with NetSpend Customer Service, my prepaid card accounts held with NetSpend were closed on XX/XX/XXXX and I am not allowed to open anymore accounts with them, despite having been a customer in good standing for years and never having filed a dispute in the past. 

This decision was made immediately preceding the filing of my ATM Dispute. I feel that NetSpend has purposefully closed my accounts and want to ensure that my dispute is handled appropriately. I am asking this dispute to be further investigated to ensirr. Compliance with FCRA Regulations, including Regulation E for which I have also submitted then attached ATM Dispute Notification Form in Writing.

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 2018-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IN

Complaint narrative:
My property is located in XXXX XXXX Indiana. Taxes are due twice a year ( XXXX and XXXX ). At the beginning of XXXX. I realized they still had not paid my XXXX installment so I sent an email requesting it be paid. I received a generic response stating " we will pay it by the economic loss date ''. At this point the taxes were late and a 5 % penalty was due. They were also escrowing for the incorrect amount which caused me to have a surplus once the taxes were actually paid. They completed my escrow analysis on XX/XX/XXXX using the higher amount so I requested that the loan be re-analyzed due to the surplus and to reduce the amount of escrow for the coming year as they were escrowing {$300.00} more then necessary for the 2nd half taxes which is about a $ XXXXmonth difference in my payment. Arvest is not responding to emails I have sent requesting it. It is now XXXX and my first request was sent on XXXX. Since this is now the 2nd year in a row I have had to provide tax documentation to my mortgage company when it should be their responsibility to manage it properly and they are not fixing my account or responding I am now asking that you intervene on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
Halstead Financial continues to call my phone, back to back. Sometimes they hang up before I get an answer and sometimes they just continuously call. There are always different numbers but they always begin with XXXX. They call on weekends, holidays, late night, early morning. I have proof of MULTIPLE calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: OH

Complaint narrative:
XX/XX/2018 - called XXXX XXXX to check on status of my income-driven repayment plan application. I was telling the man from the department of IBR that I submitted my application on a date different than what he told me and he became rude and short. I told him I understood the system said one date but I knew I had submitted it prior to that. He kept reiterating to me that he was correct and I was wrong. While it seems insignificant, and it largely is, this is not the first time I have had issues with customer service. On a date that I cant recall, I called and the man I spoke with was very demeaning about the questions I had regarding the process of finding out when my loans were due and IBR. 

I have currently been waiting since XXXX for all my loans to be placed on one IBR plan. I submitted my first application in XXXX and was told all my loans were on the same IBR plan. Somehow, they were all removed from that plan and I had to resubmit my application. This time, only part of my loans were placed on the IBR plan and most are not to my understanding today. 

I have been trying to secure a loan for a house and need my billing statements. I have called numerous times and have gotten the same answer, that my bill is not due yet and I have to wait until my IBR plan is approved. My first payment was supposed to be due XX/XX/XXXX, but because of XXXX XXXX delay, my first payment is XX/XX/XXXX, and that is only for part of my loans. While this seems nice for some people, it is hindering my he-buying process and is causing a lot more trouble than good. 

This company has been nothing but slow and unresponsive, not to mention has rude customer service

Company response to consumer: Closed with non-monetary relief