vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: TX

Complaint narrative:
Regional Acceptances is harassing me on my job about my past due loan. My son died in XXXX, I was out of work for several months due to this and the same for his dad and older brother. 

My older son lost his job, he is working again now. My husband lost his job, working two part time jobs. I just paid 2 payments. 

I have asked them on multiple occasions to NOT call my work number and they just did today at XXXX on XX/XX/XXXX. At my work # XXXX. XXXX with Regional Acceptance has my cell #, they have my email address and admitted to calling me everyday and emailing me. They also made me agree to allow them to do the automatic calls to my cell #. I am tired of the harrassment, especially at work. They just ignored my prior requests to NOT contact me at work on the job. 

Thank you, 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 2019-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent a letter to Trans Union Credit Bureau XX/XX/2019 asking them to remove a bankruptcy from my credit report because it's against the law to report this information they've obtained through a third party known as XXXX XXXX. Their response was they verified the information and refused to remove it from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Charge from XXXX XXXX XXXX in XXXX Texas in 2018. Bill of {$110.00} was paid online directly to them XX/XX/2018. They acknowledge receiving the money, but turned it over to Merchants and Professional Collection Bureau Inc for the same amount and date of service. 

We provided proof of payment to MPCB Inc., they contacted XXXX XXXX XXXX who again acknowledged receipt of funds, but continue to maintain that the bill is outstanding. MPCB refuses to correct the information in our account and continues to report it as outstanding to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XX/XX/2019 I paid debt off I want it removed from my credit report as an owed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I previously borrowed {$800.00} from this company. I have paid back {$1200.00} of that. I am struggling to pay the balance due which is {$1000.00} as I have admitted to and is getting help for XXXX XXXX. I have asked that this account be closed as paid in full or atleast given a reasonable settlement. 
My response was a threat from Mypaydayloan via email for copyright infringement, disclosure of confidential information and breach of contract and a {$900.00} settlement offer. 
Again I am struggling financially and am asking that this be paid in full or given a more reasonable settlement. Being paid in full would be more satisfying to me as this has been the most unpleasant experience ever and I will NEVER get involved with companies like this again!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: Acceptance Rentals, Inc.
State: GA

Complaint narrative:
I have sent in multiple dispute and fraud reports to XXXX and the collections agency. I have yet to receive any documents from XXXX  or the agency furnishing the results of the dispute. They have not sent back anything paperwork/documents verifying that this is my account. They only close my dispute and say they verified that it is my account without any proof.

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 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
Meridian Financial is reporting multiple debts on my credit report, from a time-share in Florida, called XXXX XXXX XXXX XXXX. We did sign some papers with XXXX XXXX years ago, but there is a 10-day right of rescission in Florida, and we rescinded the contract within 10 days of signing. We have never visited that property since, and their attempt to collect this debt is either an error or gross negligence.

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 2019-06-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint out of desperation and frustration with Wells Fargo Bank Home Mortgage Department and seeking your assistance to get the information to the credit agencies reported correctly. 

After a month of trying to have Wells Fargo correct their reporting information to XXXX and XXXX, I sent an email on XX/XX/2019 to their Board of Directors. To date, the matter not only has not been corrected, but the changes made are worse. 

The outstanding balance has increased, the last payment now is XXXX and no data for XXXX with no record yet for XXXX. 

Any assistance in this matter is greatly appreciated as our credit rating has dropped from over 800 to low 600 's due to Wells Fargo inability to correct this situation even though they agree we are current. 

I have attached documents from Wells Fargo showing all payments and a copy of one of the credit reports showing incorrect balance, wrong last payment and payments not made.

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 2019-06-26 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: TX

Complaint narrative:
Hello, I have recently graduated earning my XXXX XXXX XXXX this XXXX and I am in the process of applying and searching for employment. I have outstanding student loan debt for which I've qualified for Income Deferred Repayment for 12 months through my Federal loans. I am also attempting to reduce my payments through my private loans but my experience through the Navient Private loan sector and collections department has been overwhelmingly rude and intolerant to my present hardships. It appears that they want me to show a default on loans or payments before any true consideration can be met with a compliance to reduce payments to a comfortable amount or an inability to make certain monthly loan payment amounts ( amounts to which, I, apparently can have no say in ). 

I have spoken with several managers, one of whom 's name is XXXX or XXXX, mentioned he sees no hardship and that our credit scores are good and no late payments have been made. 

Please note : I have future plans which require I keep my payments and amounts current but it appears you need me to miss several payments on my loans in order to qualify for your hardship consideration. I know what I can afford and I feel I am not receiving any assistance nor understanding from any member in this department. As we know, so often these factors of good standing are often taken into consideration when seeking new employment and thus your infringements further complicate any attempt to move forward. 

Thus I will continue to complain and seek every avenue to dispute your response in handling the hardship and circumstances of my situation and levels of distress regarding these loans. 

A fair resolution would be a logical one, allowing the student or borrower a say in determining an affordable loan repayment, particularly when the student / borrower is actively seeking to repay the loan but has not been employed and is using funds specifically allocated towards private loans. This is a responsible student that knows her budget and should have a say in what she can presently afford, according to her present condition and circumstances. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America is my mortgage servicer. An individual named XXXX XXXX has acquired title to the property via fraud and I have filed a case in district court. 
Mr. XXXX has my social security number and is ordering payoffs through Bank of Americas automated system. They are having the payoffs sent to the title company. XXXX XXXX. They have done nothing with the 40 plus  complaints I have made since XX/XX/XXXX. Each day that I call they let me know an investigator will call. This has been going on since XX/XX/XXXX They are doing nothing and have shared my non public information with bunches of people that I didn't authorize. Please Help?

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 2019-06-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX a charge was made for XXXX online to a XXXX  company that I did NOT make. Immediately my phone notifies me of charges over XXXX and when I saw it, I called citi card asap meaning same day -he got me a new card that they should be aware of because someone used it for that and it was not me! They issued a security credit which they clearly didn't look into because they recharged me on XX/XX/XXXX! who got this XXXX? Not me? Not anyone I know. WHERE is their proof? Because it was NOT made by me. If they want an XXXX  in my XXXX to contact them on this, we can go that route too because I assure them they would be paying fees as this is not mine!!!

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 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I'mpresentlywithRegionBankXXXXXXXXXXXXXXXXXXXXMoXXXX.MyaccountisXXXXrouting#XXXXsocialXXXXI'vebeengettingchargedraftchargesat{$36.00}.peritemplus{$25.00}toreturn.Thisoccurtwotimeperweeksthenitsreoccurthefollowingweeks,checkshasbeengettingranthroughmyaccounts3to5times.Thatcreateanhardshipforme.Pendingdepositbeinmyaccountsaidwillchargefeesreturningcheckswhilefundwillavailable.AnagentofsaidquotaRegionmakemoneyoffoffeesThisisanreprehensiblepractice

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 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is Portfolio Recovery XXXX XXXX they are from XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: DISCOVER BANK
State: VA

Complaint narrative:
Discover Credit Card - Minimum payments have been made for years but the balance does decrease. I have called numerous times either the representative has a hard time explaining or the explanation never makes any sense. Today XX/XX/XXXX I am on the phone with a representative who can not explain it and had to get a supervisor. 

When minimum payments are made Discover practices does not pay all of the interest with the payments. Then they take the unpaid interest and roll it back into the balance. 

Understanding it's a different rate for cash advances and purchases. One example ; they lowered our interest rate on XX/XX/XXXX ( without notice ). This sounds great but they create another account. They then apply the payment to the lowest interest first and lowest balance first. At times the interest is not covered for all so they add the rest into the current balance. 

Another practice is that at some point ( not sure when ) a lump sum interest charge is added. They state that since all the interest was not paid it required a lump sum interest payment. This was also added into the balance. 

My Grandmother is the original holder of this card and now I am secondary. This is a predatory practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX  and XXXX are reporting incorrectly an account balance on the XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have gotten repeated phone calls from XXXX of XXXX until XX/XX/XXXX where the the person on the other end threatened to jail me and take everything I own if I didnt pay this debt and the rep,. would never give me chance to speak and told me if I wrote a letter disputing the debt I would get an answer because I was a dead beat who needed to pay. The amount is XXXX The name of the company is XXXX XXXX XXXX XXXX they are from XXXX, VA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
The lender provided an option to list the property in XXXX and I agreed and filled out the authorization form and sent it on XX/XX/2019. They confirmed that they have received it but up until now they still have not given us an update if it's already listed in XXXX. We keep calling them, most of the time getting the POC 's voicemail and sometimes getting a representative but weren't able to help up because they will still transfer or refer me to the POC for the updates. They also emailed the supervisor who is handling the XXXX matter but no response received. 

And as for the status of the approval from the PMI ( Private Mortgage Insurance ), they are giving us an incomplete update. First they said that they are only missing bank statements, so it was sent to them on XX/XX/XXXX and they forwarded it to PMI on XX/XX/2019 and then after a week they provided us an update stating that we need to re-send the hardship letter, so I re-sent it on XX/XX/2019 and they forwarded it to PMI on XX/XX/2019. Up until today, we are only getting the voicemail of the POC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
My wife and I went to XXXX, MS Friday XX/XX/XXXX through Sunday XX/XX/XXXX. Saturday I woke up and checked my bank statement. It showed 4 charges that I had no idea about totalling XXXX . We immediately cancelled the card and reported it as fraud. One charge for XXXX $ was from a XXXX XXXX. Second charge was from XXXX and it was XXXX . Third charge was also from XXXX totalling XXXX . Then the fourth charge was a XXXX $ XXXX charge which neither my wife or I have ever used. It has now been 3 weeks since we filed the claim. The claim was rejected then we appealed it. They aren't budging on clear fraud charges and I am at my wits end.

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 2019-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America closed my credit card, savings account, checkings account and business accounts without a disclosed reason. I have strong suspicion this closure is caused from me being a young, female, XXXX XXXX XXXX XXXX XXXX. 

All accounts were paid on time and were not subjected to overdrafting. 

My accounts will be frozen on the XXXX of XXXX, 2019 and will officially be closed on the XXXX of XXXX, 2019.

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 2019-06-26 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:
XXXX ; Experian and XXXX are reporting incorrectly an account balance on the XXXX XXXX account number *XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly an account balance on the XXXX XXXX account number *XXXX. ( Please see page 6 of the attached credit report. ) This account has been paid. I have attached a copy of the letter from XXXX XXXX XXXX dated XX/XX/2019 stating that this account has been settled as of XX/XX/2019. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 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:
I have contacted Transunion, XXXX and XXXX about the public record that is reporting on my credit file. This is also my second FTC complaint and I would like this issue resolved. XXXX XXXX, which is the 3rd party consumer company that reports this information to the bureaus has updated my file to show a correction. There is no Bankruptcy that I have reporting anywhere, I want this removed, it is illegal. It is inaccurate and is hurting my chances to obtain credit.

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