vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had been fighting with Bank of America for 4 years and 3 months before they lowered my mortgage payment. They kept me on the phone for over 4 hours almost daily, and never refinanced my mortgage. After a few years of doing nothing and spending months on the phone, they told me to stop paying my mortgage. I told them no becuase I did not want my credit to be destroyed after working multiple years with up to 3 jobs at a time to keep my credit great. After several months of refusing to make less than required mortgage payments, always paying on time, after waiting the 4 years and 3 months, they told me all I had to do was sign the new loan papers for a reduction in monthly payments. Even though I told them every single month for over 4 years straight, I paid 100 % of my mortgage payments, they did not apply it to my mortgage as per contract, and they did not pay insterest or anything as it had been paid for years, they twisted all my payments for their benefit, and put my money I blatently advised for over 4 years as to be 100 % only for my mortgage until they lowered the monthly payment, the sent my money away from my mortgage payments and to cover themselves, put money into escrow and XXXX knows where else, and now I have destroyed credit, and now besides the destroyed credit and higher cost of insurance and living thanks to this, they have a lien against my property I am trying to sell. I just have been trying to get a job after losing my last one, and I need to downside, and they are making my life miserable still. They destroyed my credit, kept me from getting a place to live, and I can't sell my home becuase of the tax lien they put on me while stealing money from my mortgage payments. My credit just went down again because of them and my insurance went up because of these crooks. they have been destroying my life for years, and I want this fixed. They need to fix EVERY SINGLE PAYMENT that I payed 100 % of my mortgage payment to, and they need to fix my credit score immediatley and they need to get that tax lien off my property NOW so I can get a place to live and sell this place. I need results now! I have been tortured by them for years and EVERYTHING THEY DID IS ILLEGAL AND THEY NEVER HAD ANY PERMISSION FROM ME TO CHANGE ANY MORTGAGE PAYMENT AND STEAL FROM 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 2018-04-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient has been garnishing my XXXX payments for 5 years. I would typically receive XXXX dollars a month but have been surviving on XXXX dollars a month. I have called and spoken to them about the amount they are taking because I am barely able to support myself and my kids. I have been declared XXXX since XXXX and when contacted by them I explained my situation but they never offered me any relief or options. Just forbearance and deferment actions. I now am in a loan rehabilitation program with XXXX XXXX but now am receiving letters from a NEW company wanting to collect the original amount due on my loans from XXXX! So, I have been forced to pay over XXXX dollars to nothing and now my accounts are with a new agency??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CITIBANK, N.A.
State: MI

Complaint narrative:
This banks new firearm policies run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Such policies, should not be endorsed by our federal government, which instead should do business with companies that respect all of our constitutional rights, including the Second Amendment. Our federal government should take all necessary steps to review and terminate its contract with Citibank unless they rescind their guidelines.

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 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?

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 2018-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
my relationship began with XXXX XXXX back in XXXX, back then I was led to believe that if one had no credit or e=was even looking to re establish a line of credit that as long as I made on time month payments and was in good standing throughout the agreement I would be ok. as just stated it is advertised and in their contract agreement. I have never been one to really examine or even request for my credit reports until the summer of XXXX, I expect greater things in life such as a house, a car etc. so as I started analyzing my reports I noted that XXXX was in fact reporting to the credit bureaus however, they were limiting what was being reported. the biggest thing that creditors look for when determining credit worthiness vs risk is a consumers payment history, available credit limits, debt to credit ratio, actual monthly payments, and account activity. XXXX negligence to implement those most critical pieces of information while submitting the little that they did has really made difficult for me to build a name in good faith in my community. you see as of XXXX XXXX I started my own business and my business has suffered severely. I cant get a business line of credit, a company vehicle, and my insurance was out of this world. to date I have given to the XXXX XXXX over 35,000.00 and my only source of income at the time being is a monthly social security check however, every month they were paid and paid on time. their method of reporting accurate information is not fair nor is it right when will it be fair to us consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: Navient Solutions, LLC.
State: MI

Complaint narrative:
Department of Education/ Sallie Mae XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Due to a late payment in XX/XX/XXXX ( the only late payment I have had in recent years with AMEX, of which I have been a member since XXXX ), according to AMEX I " triggered the Penalty Annual Percentage Rate on your account. The Penalty APR is currently 29.74 %, which is based on the Prime Rate plus 25.99 %. '' I was previously charged 17.74 % interest, so this is an increase of almost 70 % on my interest charged - the penalty interest rate applied was actually 29.99 %. This penalty interest rate, according to AMEX, is to be reviewed every 6 months. This penalty interest rate was applied to my account from the XX/XX/XXXX billing cycle to XX/XX/XXXX - a total of 11 months. The interest rate applied as of XX/XX/XXXX is 18.49 %. 

I requested an investigation with AMEX ( Job ID : XXXX ) on XX/XX/XXXX that included a request for refund on all extra interest paid under the abusive 29.99 %. As of XX/XX/XXXX I have no resolution and no response from AMEX - 102 days later.

I have tried to resolve the issue with AMEX directly with numerous calls since XX/XX/XXXX. Every time I am told to call back, my case is pending review. I called again today, XX/XX/XXXX. Upon being told the same thing ( pending review ), I decided to appeal to cfpb for help and a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same 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
Consumer complaint received 2018-04-29 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: MI

Complaint narrative:
Department of Education/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX There a multitude of problems with my student loans. 
1. Incorrect loan amounts.

1a. High Balance incorrect.

1b. Balance owing incorrect.

2. Payment history incorrect.

2b. Negative and derogatory remarks are incorrect and or inaccurate.

3. Multiple accounts of the same loan.

4. Inaccurate and incorrect dates of opening loans.

5. Loan numbers are shown multiple times as negative. { but is the same loan }

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I am having a hard time with Ocwen removing a foreclosure from my credit report because they were able to resell the property at more then was owed on the loan. They would not work with us at the time to even modify the loan at rates we could afford. We had owned the house for over 7 years at this point and asked for the principle to be lowered due to what the property was worth so we could stay in the home. I talked to at least 50 people in the company because they were always assigning us a new case manager so nothing would ever get would ever get taken care of because the next person would have to start the process over and over each time. Then this led to an increased payment. I paid 2 loan modification payments which were never included in our loan and then the payments were always higher then what we agreed on. I are not the type of people to not pay my bills as you can see for the first home that I bought and now rent due to the foreclosure. I am at the point that I would like to buy another home and feel Im very capable of taking care of the bill each month as long as the lending company is sticking to their side of the agreements which I know that Ocwen did not. How can I get some type of help stating that Ocwen loan company did not try to really help me only really wanting to foreclose on my house??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by Experian as evidenced by their responses saved on the CFPB site. Despite this fact, Experian fraudulently claims the complaint is a duplicate.

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 2018-04-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX failed to respond to my request for debt validation within thirty day as required by FCRA. This issue was never addressed by XXXX   as evidenced by their responses saved on the CFPB site. Despite this fact, XXXX  fraudulently claims the complaint is a duplicate.

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 2018-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
like most Americans should be, I find it disturbing that the following companies will let a political agenda Drive the business that they conduct often at the taxpayers expense. I have to agree with Sen. XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs. On XX/XX/XXXX, XXXX sent letters to the CEOs of both BofA and XXXX  demanding answers about their recent anti-gun activity. It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor.

It's bad enough that our politicians have become social justice warriors trying to move the direction of the country based on their agendas rather than what is best for the country or rather than facing their governance on the Constitution.

I sincerely hope that you find this as troubling as I do

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29 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: CARVANT FINANCIAL LLC
State: NY

Complaint narrative:
Back inXX/XX/XXXX I paid off my auto loan with Carvant Financial. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XX/XX/XXXXand XX/XX/XXXX by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called Carvant Financial and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-29 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: KS

Complaint narrative:
I have accounts with both Bank of America and XXXX. These financial institutions are making policies that violate the constitution while at the same time accepting tax payer funded government benefits. As a consumer of their credit cards and other events, I am forced to a great deal of personal time and expense to close accounts and then move them. This attack on our constitutional rights must be addressed.

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 2018-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
A debt validation letter was sent to Ability recovery services in mid XX/XX/2018, I in return received a letter from them dated XX/XX/2018 stating that the debt but purchased by XXXX XXXX from original creditor said to be emp of XXXX. Letter received is also a violation of my HIPPAA rights notating hospital visit and procedures done but none proof from original credit. I have never received a letter from XXXX XXXX XXXX stating that they are collecting for said debt in the total of XXXX. Debt is till being reported on my XXXX and XXXX reports unlawfully.

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 2018-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
This is not my debt and has never been. XXXX XXXX company attempt to collect money which is not mine on XX/XX/XXXX. I request verification of this alleged debt. They have not supplied me with any physical evidence of this alleged debt. They only sent me previous capital one bank partial statement on XX/XX/XXXX. This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX company make up fake accounts and send me and report credit agents them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed and bonded? I am also going to file a complaint with the GA Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all. Also request close this alleged debt from their ledger and send me the proof immediately. ( ID theft report was sent to credit reporting agents )

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