vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-05 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: CA

Complaint narrative:
Equifax attributes this account to me ( XXXX XXXX ). This account is NOT my account. This impacts my credit score seriously. 


XXXX XXXX XXXX, XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Date Opened XX/XX/XXXX Account Status Closed Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Usage - Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$770.00} Highest Balance - Terms M 1M Responsibility Individual Account Your Statement CHARGED OFF ACCOUNTFIXED RATE Comments CHARGED OFF ACCOUNTFIXED RATE Contact Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My loan is an FHA loan - my principal was $ XXXX one year ago- with XXXX . XXXX sold off the loan to Shellpoint-XXXX XXXX XXXX XX/XX/XXXX. Since then, my life has been a living XXXX. My normal loan payment was XXXX, Shellpoint told me they were initially reducing my loan to {$840.00} per month, then they told me my escrow was short - then they added forced hazard insurance that was a few thousand dollars- but they did not tell me why my account was going to almost double in payments! They have been trying to report to all the credit bureaus that they had my loan since XX/XX/XXXX- no not they just got my loan. XXXX XXXX told me the best thing for me to do was to get a modification because she told me my escrow and taxes were going to go up to XXXX extra per month! I did the loan mod trial from XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX- they extended the loan mod because they told me my escrow was wrong and they needed proof that I had a master condo policy of insurance- I provided these documents to them SEVERAL TIMES- then they told me I needed to pay XXXX in XX/XX/XXXX to fix the 'escrow shortage ' I did so, when I checked my statements- it showed my escrow shortage went then up to a negative {$9000.00}!!!!!! They came back with a modification that was {$1600.00} a month and now they are trying to increase the principal of my loan to {$250.00}! I paid {$240.00} on this loan 10 years ago- shellpoint wants to remove all my equity and all my savings and increase my payments on a weekly basis!! I have recently been told to get a lawyer- but lawyers are costly too- SO I refused the horrible modification and accepted a repayment- the repayment was first only $ XXXX in the rears- I paid them XXXX XXXX- all my savings and my birthday money on XX/XX/XXXX- they used the money to double pay on the months XX/XX/XXXX XXXX XX/XX/XXXX and they said the rest is in undisclosed accounts- and they now are saying I am still XXXX XXXX in the rears!!!!!!!! I just gave them my last penny- and it did nothing. When I googled Shellpoint- they are doing this to thousands of other homeowners- and they are reporting me late to the credit bureaus -so I cant get another lender to take on the loan- but worst- what they report that I owe is false and not at all accurate!!!!!! SOS HELP ME please

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied XXXX XXXX American Express Card in XX/XX/2018 and got approval from American Express. According to the term and conditions of the card, I would get XXXX XXXX XXXX  Bonus Points after I spend {$1000.00} in the first 3 months of Card Membership starting from the date my account is approved. However, I was denied to be offered the XXXX XXXX XXXX Bonus Points after I spent over {$1000.00} within the first 3 months. I was told that it was because I applied the card before. But, in the promotion, the program did NOT indicate that applicants who had the XXXX XXXX   American Express Card before disqualified the Bonus Points. 

I was told when I called American Express Cards to complaint that the requirement that applicants who should not have the XXXX XXXX American Express Card before to receive the Bonus Points was in small print, which people would normally not be aware of. I think there would be many people like me who spent over {$1000.00} on the card within the first 3 months and was denied to be offered the Bonus Points. I spent the money on the Card, but I did not got what I supposed to get. The Company is misleading and cheating consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: TX

Complaint narrative:
beginning in the month of XX/XX/2018 Department of Nelnet placed a remark on all 9 of my student loan accounts as " payment deferred '' which has negatively affected my three credit reports. my credit score has went down 10-30 points across all three credit bureaus. Before XX/XX/2018 there were no remarks on my student loan accounts and how they were reporting then were not affecting my score im asking that all the remarks be removed from all 9 student loan accounts as it is making it hard for me to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a {$100.00} prepaid card that is issued by US Bank ( card # : XXXX ). This card has a inactivity fee of {$2.00} per month. 

I had tried to use it on and off several times ( few times online, few times in store as a debit card ). I tried to use it as recently as XX/XX/XXXX and it was declined and another inactivity fee was charged on XX/XX/XXXX. Finally, I was able to use it. However, there was a {$16.00} fee charged so far. 

I was under the impression that if I tried to use the card and it did not go through, I would not be charged a inactivity fee because it was not my fault that the transaction could not go through. However, I have been charged {$16.00} in fee. I tried to contact their customer service in order to get the fee waived, but they would not agree to it.

I believe it is not fair to charge fee for inactivity when I tried to use the card and was under tthe impression that it would have considered active if I tried to use irrespective of whether the transaction was successful or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-05 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have specifically sent in a Police Report to customer service NUMEROUS times and dispute all transactions on my account that were not mine when i sign for transactions i use first middle and last initials when i requested them to have proof they only have signature of XXXX i gave 3 reps my police report and i will not provide it again and it still shows i have late payments and i still owe the balance of {$4000.00} I disputed this also numerous times and it should not have to keep getting disputed over and over and over again. If this isn't removed off my report within 5 business days i will be contacting the Ohio Attorney General XXXX XXXX. I have the right to fix whats correct. It is unfair that i'm responsible for this. i only made a 1 transaction and this is the transaction i made ORIGINAL TRANSACTION AMOUNT {$750.00} on XX/XX/2018 please remove all transactions except the XXXX. this is the only one i should be responsible for.

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 2018-08-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My ex husband had me listed as a secondary user on his credit card with USAA. I did not give permission to be added to this card. He maxed out the card and did not pay it for several years. In our divorce the court awarded the USAA debt to my ex husband and he was made responsible to pay. But the lack of payments were reported as severe and have negatively affected my credit even though I had no knowledge or consent to be added to the card. USAA has refused to remove my name as a secondary user even though my ex husband has agree to pay the debt. He had my name associated with several other credit cards and I was able to resolve the debts with them but not with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen is my mortgage company. every year they give me an escrow disclosure statement. These are projected escrow payments that they keep low balling me on. They underestimate the escrow payments then at the end of the year, they want me to send them a lump sum of money to keep my mortgage payments the same. This year, we overpaid my property taxes and I have a refund of {$1100.00} which I have filed the paperwork to get back. I have a homestead exemption, a senior exemption and a senior freeze. My mortgage company has estimated that I will be short by over {$2000.00} and they want me to pay them that lump sum. I called them to complain so the recalculated the " estimated shortage '' and now they want me to pay XXXX. They gave me a refund from Last years estimate so I paid an extra {$40.00} to my mortgage payments so I wouldn't be short but low and behold, this is when they say I'm {$2000.00} short. I want them to stop playing with my mortgage payments with these escrow estimates that are never right and they are always asking me for a lump sum of money. These are projected escrow estimates that they are basing my mortgage payments on. By the way, I wonder why my PMI payments never get any lower?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX provides our Fica score on their site. Recently our score dropped over 20 points. The explanation is that we have balances that are too high. However we don't have high balances. We have one car loan of {$5700.00}. We have a home loan and those are the only balances we have. We have more than adequate income for these balances. We never carry a balance on our credit cards. I have talked to XXXX XXXX XXXX XXXX. They referred me to Experian claiming that they exclusively get the report from them. I talked to Experian and they claimed it was XXXX XXXX that decides what the report says. The representative continually tried to get me to open an account with Experian. It has seem like Experian is hurting our credit to force us to pay for their service. The other two credit reporting agencies don't report our balances are too high. I feel like this is black mail. We can't even open a dispute because we don't have any high balances to dispute. I have included the credit report from Experian. Can you help with this?? 
XXXX XXXX and XXXX XXXX XXXX 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 2018-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage charges me {$160.00}. to make payment, and {$30.00} for each question i have. 
I believe it wrong, they need to stop 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 explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is calling me 10-15 times a day as well as visiting my brother, mother and landlord and harrasing them and telling them they must open their garage doors looking for a car that I no longer have due to divorce. They have left notes on the doors of my families homes as well as leaving threatening messages on my voicemail despite the fact that I have asked them numerous times not to continue to contact me or my family. Their debt collection activities are illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I missed a payment on XX/XX/XXXX, by XX/XX/XXXX, I received a letter stating Synchrony Bank ( Wal-Mart ) had decreased my credit line by XXXX dollars. My balance was XXXX with an initial credit line of XXXX. By them making this drastic decision based off one late payment, my credit score has decreased. Now I have a balance of almost the entire new lower limit. I have never heard of a credit card company taking such an action. I began with this card, having a XXXX limit and was increased without soliciting them to do so. I would like my limit raised back to XXXX. I have been a good customer with Synchrony Bank. They made such a brash decision in 5 days from my payment being late! They also have terrible customer service. After the payment was late I called the customer service number to set up a payment. They never took the payment from my bank account and immediately assessed another late fee. I am very disappointed in this company. There are many, many complaints on the XXXX site although they are still rated A+ which is almost impossible given the thousands of complaints.

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 2018-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I have a payday loan with XXXX XXXX XXXX on XXXX, XXXX, CA. I asked about their loan products. They usually recommend XXXX. I hesitated because I've had problems with their ethics practices. They're unscrupulous. The staff assured me they claimed they will work w/XXXX  customers. Their clients don't have stellar credit with FICOs above XXXX. Their incomes are typically less. Mine is better but my FICO is low. At their suggestion & great reluctance I applied on XX/XX/XXXX. You have to do it directly w/XXXX by phone. I spoke to XXXX at XXXX XXXX @ ( XXXX ) XXXX. She said she was unable to get my app to go thru, had no idea why, would talk to her supervisor ( at my insistence for a reason as to why ) & call me back before she left at XXXX XXXX. She never did! No surprise. I told XXXX of my experience. They were shocked because that isn't what they were told. They are being asked to promo XXXX  's product to their clients. All XXXX is doing is clocking numbers, running inquiries on consumers credit w/XXXX which depletes your already not good FICO down by 10 points for 2 solid yrs. & you still get declined! They're a numbers based business playing a game w/consumers time & lives. XXXX was unable to comment because they were lied to by XXXX 's sales rep just to get the business. LoanMe is not capable of supplying loans to XXXX customers, their FICOs & incomes are too low. XXXX  payments are incredibly high & are per pay period w/interest only for months before anything goes to principal. I called again on XX/XX/XXXX & s/w XXXX, supervisor. He said my app didn't go thru because the system has me blocked because I filed a XXXX  complaint in XXXX for their practices which were worse than recent events. Each time I applied ( 3 times ) they never sent a Reg B letter. Claimed to but never did even though they had correct info. Instead of trying to change my mind about them, they black balled me & never told me that or why. I had to persist to find out about it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Lender constantly changes the terms of the loan on a nearly monthly basis then applies bulk interest amounts ; unknowingly to myself and without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 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: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
Tuition service provider has incorrectly assessed my account as delinquent and reported such to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America has made it cumbersome to close my account. I called during business hours and they put me on a two hour waitlist that extended beyond working hours. Once I got an operator on the line, I was told that they don't have the capabilities to close the account and that I would need to place another call the day after. 

I shouldn't have burden put on me to close the account - they offer no way to do this in an easy fashion and it seems like they are using shady tactics to discourage people from closing their accounts.

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 2018-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
Referencing the attachment on pages 5,6,7, & 8 under a microscope, Rushmore ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized Rushmore as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WF has started reporting our VA mortgage as a installment loan and told us they told this at closing which we a lie as witness by our realtor which was an attorney and will verify, our WF loan office who left the company. They have a history of fraudulent behavior as late as last week in a suit filed by State of CA oaying a huge fine for fraudulent behavior in excess of {$200.00} M, previous they were fined for opening customer account without their knowledge switching money and all sorts of other behavior with our VA loan which was property with a permanent foundation making it unmovable. The WF bank filed a XXXX XXXX XXXX XXXX making it part of the real property and required us to set up escrow account to pay taxes and insurance and filed a trust deed making is real property. From XXXX to XXXX including the previous owners it was reported as a VA mortgage, they they started reporting as a installment fixed loan on the modular home Each and every time we filed the paperwork with credit agencies they would agree, and immediately WF would change to a mobile home loan or modular home installment loan. I have talked to many people who have the same permanent mounted home on property they own that is still reported correctly but when I found out they called me a liar, harassed us, dared us to file suit and numerous other threats and told us we could not beat them, the VA had us have our congressman look into it and they filed back they had the right to do whatever they wanted to do, filed with the XXXX where I found many complaints and the only -F XXXX rating, they then told me that they were following CIDA guidelines but when I called CIDA they denied this was correct and are filing a formal complaint I have documents to prove all of this including letters from the bank that they could do anything they wanted and nobody could stop them, guess that may be right as they are the most fraudulent proven bank iin America paying more in fines than anyother bank in history including a {$200.00} XXXX fine filed by State of CA where they paid but denied liability although who is the proof was not there would pay {$200.00} M They are so big they think treat people who fight them anyway and no one will bother to continue but I will keep fight all the way to filing a class action suit. 
They have stated they can can do whatever they want. 
Anyone wanting to join my class action suit please contact 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