vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 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: FL

Complaint narrative:
I have NEVER been past 30 days late on my  XXXX  credit card and all   XXXX   agencies are reporting a late payment, this is wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my EQUIFAX Credit Report on   XXXX     and noticed a HARD INQUIRY from  XXXX . I did not request or authorize anything from this company. I sent a certified letter on   XXXX     (  XXXX  ) to have this removed and I have never received a response and it is still on my credit report. I want this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: VT

Complaint narrative:
STATE COLLECTION SERVICES OF  XXXX  WISCONSIN LODGED A DEBT COLLECTION NOTICE WITH CREDIT REPORTING AGENCIES WITHOUT NOTIFYING ME IN WRITING  XXXX   XXXX  specifically requested they Not notify me in writing and only try to call me.   Since  Robot  Callers cant leave a message i had no idea that   State Collection Services was trying to contact me.
If they really wanted to contact me they would have written a letter to me.     So they acted in an underhanded way to affect my credit rating.   I have requested  XXXX  to show me a bill stating what they claim i owe to no avail ... they just send statements and then harrass you by turning your name over to these agencies.     All conversations have been recorded by  State Collection Serv ices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NY

Complaint narrative:
Furnished negative and un-verfied reports to my credit profile without consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
The lender has failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). The lender was provided the missing docs stated in a phone call to them on    XX/XX/2017    and has yet to postpone the sale date set for  XX/XX/17    - this package should have been deemed complete on or by  X/X/17    -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Advantage One Credit, LLC
State: OR

Complaint narrative:
___/___/___ Dear Sirs/Madams ; I recently received the paperwork regarding this case in the mail. The envelope was dated ____date______from_______adresss____. As I have read the paperwork, there was an attempt to serve me in person, the paperwork was serviced to a person that does not exist and I have concerns about consumer privacy. Clearly, as stated in the paper work ___________ was the substitute and spouse ; he/she is neither.
My spouse has been deceased for years and as aforementioned____________ was not and is not my spouse. The original paperwork was given to a complete   stranger not only compromises my privacy, it is a detriment to being able to resolve the matter within the allotted time frame. Furthermore, I attempted to resolve this matter and negotiate a payment plan however, by the time I received this I '' mailed '' paperwork the online option was unavailable. I suffer from  XXXX   ( docu mented ), my privacy is especially important, due to this matter my stress is elevated-Who in fact received my paperwork? Why did I not receive it that day? What does this unsaid stranger know about me?   I tried to resolved this matter with your client before it came to this ( I have photos of trying to pay the bill on line and the down payment was ambiguous-and I have photos of it changing, I tried for a larger payment to not avail ).     I made every attempt to pay the bill, after my after my spouse died my accounts needed to be changed to a solo account and this takes some time ; coupled with identity theft shortly after-not only is a strain but it takes quite a bit of time to change these things. I am not eluding my responsibility, I am sincerely trying to resolve the matter and made calls expressing my situation long before this : bottom line is I could not make payments from an account I have no access to. My children had to take this responsibility in interim because my inaccessibility to all the matters that needed to be accomplished, legal matters are time lengthy-especially after death.     Sincerely, ________________

Company response to consumer: Untimely response
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I graduated from  XXXX   College in   XXXX    XXXX  . Soon after graduation  XXXX   XXXX   (  now Navient  )  said that I needed to pay   XXXX   XXXX   /  month. I  told them that was impossible and I needed a lower payment. They said I took out a lot of money and there was nothing they could do so I did n't pay anything. I contacted a load consolidation company and as soon as they tried to start helping me  XXXX   XXXX  contacted me, after killing my credit and said they had found a new option for me. They lowered my payment to around  $ 350/ month an d said it was an income based program. That did n't even cover the interest payment each month so my amount due never decreased but continued to increase. About a year later my payment jumped back to aroun d $ 750/month. I  called again and said I ca n't afford that. They then set me up for paying interest only payments, which was then   XXXX   XXXX   /mon  th. I  struggled but I paid that for about 2 years after that it now jumped back t o   XXXX   XXXX  /  month. I  said I still ca n't afford that and they told me my only option I have left was to extend my loan for another 25 years because I had exhausted all of my other options.   They are so unfair and unrealistic. My total amount due has barely budged since I graduated. I borrowed a total of {$72000.00} and to date I still owe them  XXXX . They are robbing all of us and something NEEDS TO BE DONE!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my  credit score  because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
FURNISHED NEGATIVE REPORTS TO MY CREDIT PROFILE WITH OUT WRITTEN VIOLATING FDCPA PROVISIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have two loans with Bank of America. A first mortgage with no late payments for {$330000.00} and a second mortgage that had a balloon payment due on XX/XX/XXXX for {$35000.00}. In anticipation of me having difficulties coming up with {$35000.00} for almost a year before the balloon was due, I had been requesting assistance from Bank of America to work out a modification for the second loan as, again, I knew I would not have the lump sum of {$35000.00} that came due on XX/XX/XXXX. Only after the balloon payment was due and I did not pay it, Bank of America created a portal for me to upload all pertinent information to work out the second loan. Again I state, the first loan has NEVER had a late payment and has never been the issue. However, I received a letter on Saturday XX/XX/XXXX that was mailed by Bank of America on XX/XX/XXXX, stating that my first loan can not be modified as I do n't meet the " hardship '' definition and that my only option is a " short sale ''!!!!!! I want to be clear in stating that at no time have I EVER applied for a modification on the first loan. I simply wanted to workout my second loan with a balloon payment of {$35000.00} with Bank of American whom I had been trying to correspond with for a number of months and which has only been acknowledged since XX/XX/XXXX when the balloon payment was not paid. Bank of America is blatantly refusing to workout the second loan, by simply calling the first loan the problem when in fact, it is not a problem and has never been a problem for me to pay. I have every intention of keeping my home. However, I find Bank of America to be extremely difficult to work with. I have consistently shown good faith in trying to satisfy the debt on the second loan. I just do n't have the {$35000.00} balloon payment. The bank has shown a mere sterile and statistical approach to my predicament bordering on acting in bad faith. I had been working with a non for profit company to act on my behalf but, they too have met the same resistance from this large yet, impersonal, highly bureaucratic and disorganized banking institution. I have complied a fairly large file with personal information, i.e emails, letters, requests and proof of payment for anyone in your organization who may want to see 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 2017-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
XXXX   XXXX   XXXX   in  XXXX  Alabama has put a bill into collection on my credit. The bill was for my daughter, who stays in Mississippi and is on  XXXX . The opened date was  XXXX . Account was reported on  XXXX  on my credit. It is a balance of {$370.00} that should have been handled by her  XXXX . Her primary guardian is her mom, therefore I 'm unable to carry her on my insurance which is locally based  (   XXXX   XXXX   )  which is provided through my job. Debt was sold to  Holloway Credit Solutions LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: AES/PHEAA
State: IN

Complaint narrative:
My student loans were transferred from  XXXX  to Fed  Loan Servicing  o n  XX/X/16      aft er I submitted my paperwork for PSLF. I was told the qualifying payments would be transferred but as of yet, only  13 p ayments are showing  up ( I have made a total of 34 q ualifying payme nts ).  I spoke with someone on      X/X/16  an  d they assured me that they submit a request for this to be looked into, but that it may take weeks.     I have also had issues with the handling of my Income Based Repayment paperwork. I know that the paperwork is correct, because this same paperwork was received and processed almost immediately by    XXXX   ( w ho still holds my loans not under the PSLF program ). I have submitted supporting documentation ( which is not required by  XXXX , only FedLoan ) a total of 3 times now. Once by mail and twice by uploading the supporting document s (  XXXX  ).  As of yet, this has not been fixed, and I have received letters telling me that I did not meet qualifications ( when I clearly do, as evidenced by my student loans serviced by  XXXX  ). I have documentation showing my multiple submissions of paperwork.     I also had an issue o n      X/X/16  wh ere my account was placed on Forbearance without me requesting for such action. When I contacted the company, I was told that this is standard action for all accounts that have documents processing. When my account is in forbearance, I am not able to make qualifying student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I am in desperate need of assistance. I submitted a modification packet t o Ditech s ince  XX/XX/2016   . However they keep prolonging my case making me fall further behind. By doing that my documents got expire, had to re-summit everything again.     I have tried to work wit h Ditech but nothing is been done. I have provided more than twice all my documents to Ditech.  today I spoke with my assign  specialist   XXXX    XXXX   XXXX   XXXX   he told me there were no new notes, from the escalation that was submitted. At this point I am more than sure tha  t Ditech is practicing fraudulent and deceptive practices in order to prolong my case and to deny me any assistance.
I am tired of Ditech taking advantage of me because I am a elderly person. Ditech is aware that my intentions are to keep my house with an affordable mortgage payment. I am in desperate need of assistance. I have cut lots of unnecessary expenses to make sure I can be provided a modification. At this point I believe Ditech wants to foreclose my home instead of offering me a modification.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In 2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first house or transferring credit card debt to a 0 % APR so that I can pay that down faster with out any interest. Please advise. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In  2009, I filed for bankruptcy for Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first hou se or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. 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 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In  2009, I file d for bankruptcy for  Student Loans since I lost my job. My case was dismissed because you can not file for bankruptcy with the majority being Student Loan debt. This has stayed on my credit report for over 7 years now with no relief. Technically, there was n't bankruptcy on my record since it was dismissed and after 7 years, it should be removed. Can you please look into this for me and assess whether or not this can be corrected? I have paid my Student Loans down from {$60000.00} to {$20000.00} in the past two years. I really would like this off my credit report because it has caused lots of heartache with buying my first  house or transferring credit card debt to a 0 % APR so that I can pay that down faster without any interest. Please advise. 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 non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Mortgage.  We went to reinstatement asked for a lower payment they wanted {$2300.00} a month we offered {$1600.00} to catch up they did another check came back with same payment  XXXX  we cant afford we want to keep our home but this too k 4months n ow were behind on  11  payments and they want {$10000.00} by   XXXX   XXXX  2017    do n't have and they will not work with us. They want to foreclose on this property so they can make money! Sad ....   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 2017-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Kia Motors Finance  XXXX .   XXXX    XXXX   XXXX   XXXX , CA  XXXX  Subject : VIN #  XXXX  1 ) I bought a  XXXX   XXXX  on  XXXX    XXXX   and was offered a contract for service that I would only worry about gasoline and wash my car. Those words convinced me to accept it. Last  XXXX   XXXX , I found out that I had to pay for service and I was told that I could cancel that contract. I do think that after paying for 47 monthly payments I should be reimbursed for the whole amount paid until today, since your finance employee tricked me with a disonest explanation.    2 )  Also, I would like to request a waiver on my account number  XXXX  of {$30.00} caused by my typo mistake when making a payment in advance over the internet, instead of bank account, I typed  Kias  account number. I understand it is my responsibility to check it carefully, but I was not late, not even on the due date. It was an honest mistake. After my third call, I was told what was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Closed a store card with  XXXX ,   XXXX   XXXX  , and paid the account in full. Bank charged a late fee despite account being closed and having a  XXXX  balance. The representative I spoke to said had I not closed the account, the fee could have been waived. Sounds a bit retaliatory and slimy. Bank is now charging interest and new late fees on an account that I closed with a   XXXX    balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a continuation of  Case  #  XXXX . Bank  of Ameri  ca/ MB  NA does not respond adequately, which is part of the original complaint, and the continuation of the problem since 2016. ( I asked for communication from assigned representative of Bank of America/ MBNA in 2016. Never received. I was instructed to write to another department at Bank of America/ MBNA . Again, no reply. I was told no negative actions would occur to me while in this process Bank of America/ MBNA set forth. Negative actions occurred, causing distress. ) Bank of America/ MBNA continues to cause additional distress, and it appears intentional.

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