vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to   XXXX   at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to   XXXX   this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to  XXXX  at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith

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 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Payment of {$180.00} due to Bank of America was submitted through  a Biller Service  on Saturday  XXXX / XXXX / XXXX . Payment was not processed by Bank of America until  XXXX / XXXX / XXXX . A late fee of {$25.00} was placed even though full payment was received and made before the due date. No partial payments were made. Called company and spoke with  XXXX   XXXX  to waive {$25.00} since it was the first time this happened, given that she mentioned she was not authorized to make that decision, she transferred me to her  manager   XXXX   XXXX , who reviewed the information in he system and after he verified mentioned that he could not waive the fee.     That Thursday  XXXX / XXXX / XXXX  I looked to verify the fee and I noticed that instead of the {$25.00} I had been charged {$27.00} with interest. I called Bank of America again and throw time spoke with  XXXX  from California who did not want to provide her last name. I explained to her the situation and mentioned that I was being charged interest over the late fee and paid {$27.00} to avoid getting paid and interest. She wanted to remove the {$2.00} and did so without my authorization and I told her I would pay at that moment the full amount to avoid being charged more interest. She said I would be charged additional interest at the end of the month. How is this possible? I made the full payment and paid late fee with interest? Not understanding what clause in the contract says this. It is not clear. It seems that because of them proces sing one day late the payment I will need to catch up with them, buy then if I do n't pay they have two days to cha rge me addditonal interest? It seems Bank of America has the upper hand in this situation and I will always be at a disadvantage.     I have been a loyal customer since  XXXX  and I have never missed a payment.     Will my interest rate change? The Bank does not make this clear.   Will this affect my  credit score? Will this be reported in the Credit Bureaus? The bank says  no, but I would like an impartial party to clarify and have clarity if these charges are fair towards a customer who made the full payment on the card.     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 monetary relief
Consumer complaint received 2017-05-16 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:
Filing a complaint against Experian :   XXXX  /2017- Sent a letter disputing inaccurate/ unrecognizable information from my credit report Never Received a response  XXXX /2017- Sent another letter to follow up and asking for immediate removal of information as my request was ignored.     Still no response.     To this date,  XXXX   XXXX ,  2017 , I still have not received a response from Experian

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 2017-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
XXXX   XXXX  and her husband have been dealing with some serious medical issues and money problems.  XXXX   XXXX  took out a loan with the company  Lending Point.    She was payin g Lending Point b ack monthly starting in  XXXX .   Their money crisis increased and  XXXX  and  XXXX   XXXX  sent any creditor a written letter stating they are going through a tough financial situation.    XXXX   XXXX  took the loan out I believe in late  XXXX .    XXXX  and  XXXX   XXXX  have been harassed almost daily and hired myself,  XXXX   XXXX  as their attorney in this matter.   I contacte d one e mployee named  XXXX  who hung up on me twice without any explanation except that she does n't know the law and would n't discuss the case with me.   Her supervisor hung up on me too and accused me fo swearing at  XXXX . I have never swore at an employee.   I have included the many pestering emails,  XXXX   XXXX  as received. She also has been called incessantly from  Lending Point o n  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX , and  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 2017-05-16 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have an ongoing problem with a website that is servicing  BBVA Compass. I  pay many bills each month, and find thi s one web site to be consistently confusing. I suspect it is not by accident, but by design. I sign in to pay my bill, make all the selections to pay it, verify the information and then get a page that says, Payment Confirmation '' in big letters at the top of the page. Each month I note the time and date that I pay it and save it as a PDF on my computer.     The problem arises when I read the big letters at the top of the page which say, " Payment Confirmation ''. There is an additional step required in order to complete the payment process ; there is a little button at the bottom of the page that you do n't see unless you scroll down. This last step requires you to Confirm yet again that you are making the payment. No other website has this last step, which requires you to confirm the payment before you are finished with the process. As a result it is very easy to miss this last step, thinking you have paid your bill and I have often missed this step. It has caused me to pay several  XXXX  dollars in late fees while paying this account off. I am sure this last step is added by design and I know other customers are experiencing this issue as well. The bank would only need to add a notice on the top, next to, Payment Confirmation '', which could state that a last step is required to complete the transaction, but they wo n't do it.     I have mentioned it to the bank employees several times and have even visited the bank branch to complain about the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
Reported  XXXX   XXXX  to collections after already sending my apartment complex a check for the exact amount. I still have to check stub to proof I sent it. I got a call from   XXXX   XXXX    at   XXXX   XXXX   saying that it had already been paid by  XXXX   XXXX  and that they were going to distroy my check. I approved that and they said everything was complete and paid for!     Forward to abou t 6-7month  later when I received a message from a collection agency about an unpaid cleaning deposit. I stated that it had already been paid by  XXXX   XXXX  whom was responsible for the portion as stated on our move out conditions and terms and that I was in no way going to pay It. They stopped contacting me.     Now since  XXXX    XXXX   I get repeated calls early morning from the same number saying the same thing.     What is my next step to get this removed?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
We had been in mediation w ith Ocwen for 6 months. Ocwen reque sted a ridiculous amount of updated pay, rent, and income. they even requested a mediation postponement because " they needed more time to make a decision ''. On  XXXX  Ocwen denied the loan 1 day before mediation. The denial did not state income used, why she was denied,  XXXX . Nothing, it simply stated denied and to sell her home. When we attended mediation on  XXXX   Ocwen stated " Income was NEVER used in making the decision. We denied a modification because we could not lower her payment ''. Ocwen  literally is foreclosing on someone that only owes  XXXX  on her entire home. She had a hardship, and can now make payments and  Ocwen  will not work with her. They are simply denying her any option of home retention. They delayed this whole process for no reason when they stated they never even considered her income. By intentionally delaying  XXXX   XXXX , she made not be eligible for Rescue Funds. This is an elderly woman trying to save her home.

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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
XXXX   XXXX   XXXX   in  XXXX , GA located at  XXXX   XXXX   XXXX   XXXX , GA  XXXX  placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in  XXXX  of  2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to   XXXX   XXXX   numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help 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 2017-05-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Recently while observing m y credit score a nd account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my  XXXX  and   XXXX    reports. On my   XXXX   report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states  the estimated removal date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX   report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score. This spe cific inquiry states it is from  XXXX   (   XXXX   XXXX   XXXX   XXXX  . ) a nd will be removed at an estimated date of  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 2017-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit International Corporation
State: WA

Complaint narrative:
Credit International i s attempting to collect a debt over {$4000.00} for a balance they received from  XXXX   XXXX . The interlock device was removed from my car. There were several attempts to resolve the issue with  XXXX   XXXX  and they declined the settlement offer. They waiting 4 years to send to collection agency. My balance prior to all the late charges and finances charges for 4 years added up to the balance over {$2700.00}, now I am being told  that Credit International is w anting over {$4000.00} for the balance that was owed after the interlock was removed from my car. Several attempts to settle the issue with  XXXX   XXXX  is documented and they declined to the settlement offer.

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 2017-05-16 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:
NOT AUTHORIZED TO TRANSMITT PRIVATE INFORMATION UNDER FDCPA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Immediate Credit Recovery
State: MI

Complaint narrative:
Student loan was turned over to a collection agency, Immediate credit recovery Inc. I called several times prior to them garning my wages to discuss a resolution. I have left several voice mails prior to the garn taking place and after. I have never recieved a return phone call and they have started garning me. I just returned to work from a 6 month short term disb and this is crippling me. I tried to set somehing up prior to garn while on disb and no one will return my calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: Investment Retrievers, Inc.
State: CA

Complaint narrative:
These items appear on my credit report. Theses items were   discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED I  N Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  mil es away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as   XXXX   OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My home mortgage, serviced by  XXXX , was sold to  Nationstar i n  XXXX . Yesterday I received a letter from  Nationstar stat ing my home insurance coverage had expired and that they had started charging me for home insurance unless/until I provided them with proof of something else. In the past 21 years I have never had home insurance expire, have never had any coverage lapse for any reason. In fact, I verified with  XXXX  the policy that is in effect is reflected in their records and they told me this information was passed t o Nationstar. I believe Nationstar is   engaging in fraudulent business activity by knowlingly mis-representing the status of insurance when it buys mortgage servicing rights from another institution. The reason they are doing this is they are then forcing an insurance policy on the borrower, and that insurance is fro m one of t heir subsidiaries and from which they realize financial gain. Although I have contacte d Nationstar, and  also had my insurance agent send confirmation of coverage to them, I am awaiting my next statement to determine if I have been charged for any interim policy premiums.     I believe the CFPB should take a look at the business practic es of Nationstar and I think it will find violations of current federal law and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
A balance transfer was initiated for {$4900.00} to  XXXX   XXXX  on  XXXX / XXXX /  XXXX   throug h Barclay  card.      Barclay card  is saying the transaction has posed, however  XXXX   XXXX  is stating that it has not.      Barclay c ard is now billing me for payments on a transfer that was not performed, but they are insisting it was.     When I contacted the contact center on they just say that the transfer is completed in their system and provide no assistance despite my proof of non payment through  XXXX   XXXX . I call ed Barclay Card o n  XXXX  and  XXXX  in attempts to get answers but they are continuing to not provide assistance.

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 2017-05-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently while observi ng my credit score and   account overview on my  XXXX   XXXX  app, I came across  XXXX  hard inquiry listings on both my   XXXX   and   XXXX   reports. On my  XXXX  report, there is an inquiry dated from  XXXX   XXXX ,  XXXX  and the inquiry is with  XXXX . This was never an authorized inquiry, nor  one t hat I have ever been familiar with. I would like it removed fro m my credit score, as it states the estimated remova l date is  XXXX  of  XXXX . The other hard inquiry, which is on my   XXXX    report is an inquiry from  XXXX   XXXX ,  XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my  credit score.  This specific inquiry states it is from Cbna   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and will be removed at an estimated date of  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 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
On  X/XX/2017   , I lodged complaint no.  XXXX  regarding  Specialized Loan Servicing 's misappropriation of funds from my property tax escrow account in or der to disburse insurance premiu ms to ( 1 ) an insurer whose policy I intended to let expire and ( 2 ) a replacement insurance policy which I had already paid. Specialized persists in demanding that I repay the escrow shortage created by their error. I will attach to this complaint a copy of a letter I mailed to Specialized today detailing my efforts to have them rectify their error.

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