vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
Linebarger Goggan Blair & Sampson LLP, representing the XXXX Department of Revenue, sent me a letter that impersonated an official " notice of judgment '' in the title, and threatened " wage and bank account garnishment, and filing a lien against your home and other property ''. It is not in fact a judgment ordered by a judge, but in smaller print says that " they will soon be making a determination as to whether you are a candidate for further collection efforts ''. This is over a single parking ticket in XXXX from XX/XX/XXXX, originally for {$60.00} for sweet sweeping. In XXXX, the street cleaning occurs twice a month and there are temporary orange signs that are placed on the street. There was not a single sign posted on the side of the street I parked on. Further, the picture they sent in the parking ticket showed that there was no orange sign on the adjacent tree or anywhere else. I took pictures of the signs I did see, on the other side which indicated a different day, and contested the ticket. They denied it and doubled the fine. As a XXXX XXXX I had to drive back to New York for the semester and couldn't contest the ticket a third time because I could not physically go to the XXXX court house. I have paid every other XXXX parking ticket but was upset that the system is so unjust and figured I would pay it if I moved back to XXXX. The lawyers started sending me several letters in the last year that threaten wage garnishment. I called them to ask if that was possible without first going to court where I would explain my case, stating that there is no proof on the city 's end that there were temporary signs up. The operators at LGB & S didn't seem to understand what wage garnishment was. I asked if I could speak to a supervisor or actual lawyer at the firm and they told me no. This letter is incredibly misleading and very scary. What is motivating me to file this complaint is that their client is the city of XXXX, which continues to harass and bully people ( especially people with less money, in which a single ticket like this is a great burden ) after their administrative hearings which themselves are incredibly unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: FL

Complaint narrative:
Equifax is not doing a thorough investigation into a collection account on my credit report. Both XXXX  and XXXX   removed the account after investigating within just a couple days. I'm on my third dispute with Equifax and I do not believe they are actually contacting the collection agency to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX  XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ XXXX XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency

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 2020-01-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX, ( XXXX  XXXX ) {$690.00} .. Submitted Identity theft dispute to credit agency XX/XX/XXXX, $ ( XXXX XXXX ) XXXX ... Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX $ ( XXXX XXXX XXXX  ) XXXX Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$20000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$410.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX ) {$970.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$4000.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX ) {$180.00} Submitted Identity theft dispute to credit agency XX/XX/XXXX ( XXXX XXXX XXXX ) {$240.00} Submitted Identity theft dispute to credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXX  XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-01-30 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: NH

Complaint narrative:
I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}

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 2020-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my Experian credit report and noticed two fraudulent accounts were reinserted back on my credit report without being notified within five business days per FCRA Guidelines. I have talked so many representatives at Experian Fraud Department regarding documents that I have uploaded on www.experian.com/upload portal and they always say that my documents are illegible. The last time I talked to representative at Experian, I told him to submit a trouble ticket regarding Experian website that is not working properly because when I submit my documents, it always tells me that it was submitted and uploaded successfully, but when i call Experian, they tell me a different story.

Experian has violated by rights under FCRA 611 5 ( B ) ( ii ) ( A ) by reinserting deleted items without notifying me within five business days. I have also attached copy of my Experian report where they deleted these fraudulent items in the past as well as a copy of my police report and FTC ID Theft Report : 1.  XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : 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 non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America offered me a 3 month trial modification and I completed it. They restarted the loan with 40 years. Im a senior citizens the term of the modification is not conducive for me

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a Home Equity Line of Credit with a {$0.00} balance at Huntington Bank. On XX/XX/2020, a representative from Huntington Bank ( named XXXX ) called and stated that my account would be closed. He stated that a form would be sent to me, which would need to be completed to keep the account open. The form was emailed to me but I did not complete the form. For the next 48 hours, I received multiple calls from aggressive sales people claiming to be from Huntington. 

On XX/XX/XXXX, I called Huntington customer service directly to discuss the situation. The representative informed that someone had attempted to open a home mortgage on my account and that my existing account was not scheduled to be closed. The representative also stated that the application for a new loan would be cancelled and that their security team would get back to me to discuss the situation. Thereafter, a letter was mailed and received on XX/XX/XXXX, which showed that a credit inquiry was conducted and sent to XXXX. This was done without my authorization. No one from Huntington has contacted me since these events.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX Response to complaint XXXX-XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report.

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NM

Complaint narrative:
The company started calling me daily, never leaves a message. I answered once and someone who sounded like they were in XXXX kept saying hello. This has been going on for months. 

I have never received any demand letter as per the FDCPA. Just repeated phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OK

Complaint narrative:
Hello, I thought I was in contact with the FedLoan Student Loan Repayment Program. It turned out to be a third party company that was not providing the services I was paying for. My money was not being paid to my loans they were taking it. I began the program XX/XX/2019. My payment was {$200.00} per month for 6 months. I was notified in XX/XX/2019 that the company I was going through was getting sued by you. I'm looking for information for the next steps to take in trying to get the money I gave to them refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
My mother and father ( XXXX veteran ) refinanced their home mortgage around XX/XX/XXXX with a lending company called Freedom Mortgage. Initially, their monthly payment was low, but after 5 months the lending company did an escrow analysis and increased their monthly payment by around {$1000.00} / month. This drastic increase created financial hardship for my parents ; consequently, my dad reached out to Freedom Mortgage to inquire about how to bring down his monthly payment again, and they recommended another refinance. They estimated the refinance with a lower interest rate, but again they incorrectly calculated the escrow amount using incorrect tax information ( their estimate is too low ). The incorrect tax information is included in the attached Closing Disclosure which I received on XX/XX/XXXX from my father. 

After detecting the error, I proceeded to email Freedom Mortgage to revise the Closing Disclosure to reflect the accurate numbers. This is important because it creates a realistic estimate of what the monthly payment ( P & I + escrow ) to Freedom Mortgage would be. To be very clear, the inaccurate Closing Disclosure from Freedom Mortgage shows a monthly payment that is about {$900.00} LESS than what it should be if the escrow payments are correct. That is, the same issue will occur in a few months when Freedom Mortgage recalculates the escrow balance, and significantly increases the monthly payment to cover the shortfall in escrow. 

In spite of supplying accurate tax document information so that Freedom Mortgage could correct the Closing Disclosure, Freedom Mortgage REFUSED to change it until " a closing was scheduled '' and closing could be cancelled if need be after that point. This is an unacceptable approach and ultimately results in a type of bait and switch. A borrower is less likely to step away from a closing that is already scheduled than to not even schedule one if the terms are not favorable. My parents have withdrawn their loan application to Freedom Mortgage and are seeking relief elsewhere. 

Freedom Mortgage is suspected of knowingly luring borrowers into more and more refinances with initially low monthly payments, thereby increasing their loan revenue ( notice how the refinance costs and prior unpaid escrow balance are rolled into the new loan ), and then substantially increasing their escrow balances at a time when Freedom Mortgage must recoup the funds to cover the escrow deficits.

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 2020-01-30 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: OR

Complaint narrative:
every year i need ro recertifiy my REPAYE program, each year i use the FSA calculator to look at me and my wifes income, and it details how much we will be paying for the next year, taking into consideration our joint income and joint loan balance. 
my wife was XXXX, and mine was XXXX, but when i did my paperwork, navient came back and said my payment was 250+? 
i do this every year and when i bring it up to them, they offer a forebearance while i resubmit paperwork, but all that forebearance does is captilize my interest to my principal, thus increasing my loan. i end up paying a few payments during the year, but cannont afford the 250+ all year, so im forced into there wonderul option of forebearance. even while they should be researching my issue and pausing or allowing me to make a smaller payemtn.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
My husband and I left Washington state XX/XX/XXXX, to go on a mission for our church. We changed our address three times while on our mission. so our mail would be forwarded each time. When we finished the mission XX/XX/XXXX, we did not return to XXXX but relocated in XXXX.

XX/XX/XXXX I made a purchase at Macy 's with my Macy 's card, the amount was {$130.00}, as I recall. However, the bill never reached us, as the address on the Macy 's card was a Washington address. 
The problem was discovered on XX/XX/XXXX, when our credit score was checked and we were apprised of the debt applied against my score. I immediately paid it off with late fees ; {$140.00}. XXXX. Included is my bank statement showing the payment. 
I errantly assumed the problem was resolved. We are now about to buy a home and to my chagrin, I discovered this blight on my credit is to last 7 years! 
Macy 's asked me to provide a confirmation number from the Post Office showing we had changed our address. The P.O. sent the last confirmation number, which didn't work, and would not have shown the original change of address which was the address Macy 's had. 
Since I can't get the P.O. to send a history of our address changes, I would like Macy 's to grant me a " Good Will Adjustment. '' This is an unfortunate mistake. They sent the bill to an old address. The bill was not forwarded. I'm terribly sorry for the inconvenience. I would have paid it immediately, had I received it. This error does not justify a blight on my credit for 7 years! Point of logic : You agree to sell, I buy, both parties are happy ; if we agree to sell/buy, but I fail to pay on time or in full, you add a penalty to the purchase and threaten to make harm my good name ; if I pay all you are whole and so am I. Now, enter upon the modern age : you sell and I buy, but I ( for whatever reason ) fail to pay on time or in full, so you add a penalty and threaten to harm my good name ; but after I pay all you SHOULD BE WHOLE and I should be likewise. Not so, you are free to do significant harm to my good name for seven years! A much higher penalty would be eminently more 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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  on XX/XX/19 by XXXX XXXX XXXX has an inquiries on XX/XX/19 in which I did not apply or request any credit from XXXX XXXX XXXX XXXX. There should be no inquiries for a loan.

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