vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-31 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: LA

Complaint narrative:
My name is XXXX XXXX and my issues started with a late payment that XXXX XXXX Bank ( XXXX ) has placed on my credit report. I was able to get the late payment removed, but a few weeks later the late payment was reinserted illegally without anyone notifying me within 5 days of the reinsertion. The supervisor, XXXX XXXX, at XXXX XXXX Bank ( XXXX ) insists that this couldve been a mistake with XXXX XXXX, but this was not a mistake. Ive spoken with professionals at XXXX XXXX and they said they only report from Credit Bureaus and can not edit any of the Credit Reporting information. Even after me showing documentation, he still denies that anyone from the XXXX team didnt report any late payment removing changes. I am currently in the process of filing a civil suit against XXXX & the Credit Bureaus. I will not stop fighting this even if I have to get lawyers and a civil suit going.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
As a result of a credit bureau dispute submitted in XX/XX/XXXX, XXXX XXXX has retaliated by marking the account as FP " Failed to Pay '' in XX/XX/XXXX. This is incorrect, as XXXX XXXX sold the account to another collection agency years prior, I believe in XXXX. No indicators for Failed to Pay following this date would be correct. This was blatant retaliation for my submission of a dispute and they should be held accountable. 

Further, during said dispute, XXXX XXXX failed to update the tradeline to indicate that the information was disputed. This is a clear violation of FCRA and I fully intend to file suit for the {$1000.00} damages if this not resolved.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello. I underpaid Chase by {$40.00} on XX/XX/XXXX by accident for my XXXX payment, which was less than 1 % of my total bill owed. I am strictly a conveniece credit card user and pay my bill in total every month. I have had a credit card with Chase for years and they know my payment history. They charged me interest of {$24.00} on my XXXX statement and {$7.00} on my XXXX statement, totaling {$32.00}, almost as much as the {$40.00} payment for misreading my statement. 

I called and complained last night ( XX/XX/XXXX ) and was told the interest will be credited back to my account. It hasnt been credited back yet, prompting me to write this complaint. I recently moved and have had some large charges on my credit card and Chase applied the interest rate for the total charges on my account, all because of misreading my balance due. This is outrageous! Customers like me should be given the benefit of the doubt! If I hadnt frozen my credit reports after the XXXX breach, Id immediately cancel this card and apply for another. This practice by credit card companies must stop! 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 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: NV

Complaint narrative:
I'm filing this complaint because EQUIFAX, has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have had a Capital One credit card with a credit limit of {$10000.00} for many years ( more than 5 ). I have never missed a payment. Yesterday ( XX/XX/2018 ) I received a letter from Capital One advising me it had closed my account because my " useage of the account was not in accordance with Capital One expectations of how the card would be used ''. I called to ask for an explanation. I was told I receive no such explanation and that I could not talk to a supervisor or anyone else who could or would explain why exactly my card was being cancelled. I suspect, but do not know, because I was not given the courtesy of an explanation, that Capital One disliked the fact I would make my payments in a timely fashion each month, and then charge up to the amount of each payment. I was never told I could not do this. And I am only guessing because Capital One is forcing me guess and speculate. At a minimum Capital One is guilty of Unfair and Deceptive Trade Practices and Predatory Commercial Conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: FL

Complaint narrative:
Over 30 days ago in XX/XX/XXXX, I disputed an inaccurate account with Experian regarding XXXX XXXX Bank account number XXXX. Experian responded in XX/XX/XXXX by saying they had completed their investigation into my dispute and updated the status/account/information. Because they did not accurately investigate my dispute by looking at actual documents from XXXX XXXX bank to validate the accuracy of the information, Experian reported on my credit report to show " Last payment : XX/XX/XXXX '' but the payment history shows the account was current until XX/XX/XXXX, and the account was charged off XX/XX/XXXX. Because of Experian 's blatant error and disregard for the law, this information negatively impacted my credit score and I am in the process of purchasing a house. I was forced to file a complaint with the CFPB ( XXXX ) on XX/XX/XXXX. Experian then responded that they now need EXTRA time to RE INVESTIGATE my dispute by contacting the data furnisher to verify accuracy. IF Experian had verified the information of my dispute in the first place, they would have NEVER updated my credit report in ERROR. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 because, through their response to my complaint to the CFPB requesting additional time to re-investigate, they have ADMITTED that they never investigated my dispute in the first place. This is against the law, but more importantly, you have affected my credit due to your lack of investigating. You do not get extra time! The law was clear, you had your time to investigate my dispute and CLEARLY YOU DID NOT. There are no redo 's! You NEVER validated anything with XXXX XXXX, so this account needs to be deleted IMMEDIATELY because we are way past the 30 day investigation period.

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 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a call from a sales person from Sears to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my Sears credit card and not to charge it to my Sears Master card, which I had never used. Citibank collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my Master card and that they should review their tapes. After that Citibank told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the Sears credit card and not the Master Card, but they and threaten to report me to the credit bureau. When I spoke to Sears sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( XXXX XXXX XXXX XXXX XXXX ). Routinely I have {$75.00} per month automatically withdrawn from my account for the Sears Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.

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 2018-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation
State: MA

Complaint narrative:
my Property was going to foreclosure on XX/XX/XXXX, I tried doing re adjustment but they said i can't do that, they gave me 2 months to do short sales or readjustment then I sent all the paper work they needed to do short sales, than they get back to me on XX/XX/XXXX and said all the paperwork i sent was out dated its been 2 months i have to send all the paper work again, witch i am willing to do but I travel for work so its hard for me to send 2 years on taxes ( 90 pages ) bank statement s ( 50 pages ) paychecks all this via fax, and they still can't guaranty its not going to foreclosure and foreclosure on XXXX the XXXX, they wait 2 days before the foreclosure to tell me all my paper work was out dated, this is just crazy, they are not willing to do readjustment they wont let me do short sales i am trying to avoid foreclosure, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
KAB also known as Knights Adjustment Bureau has been informed to cease and desist contacting my telephone and to send correspondence only by mail, yet have reached out to me after being informed they would received an affidavit with a follow letter by certified mail with GREEN reciept of the police report. The XXXX has to finish the identity theft investigation after all fraud and identity theft investigations have been completed as instructed by the detective working on the case. KAB has failed to respect under federal law the " Fraud victim Bills of Rights '' which they have obviously failed to comply to so far. I informed KAB recently that I would get the CFPB involved since they feel they are above the Law in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
On or around XX/XX/XXXX I received an email stating that I would get a FREE APPRAISAL, NO DEPOSIT AND A {$500.00} REBATE once I closed the loan. At the closing I noticed that I was charged {$400.00} for an appraisal but I closed anyway knowing of the letter that implied a rebate of {$500.00} and a rebate of {$400.00} for the free appraisal. When contacting the company they said that they were not going to refund me the {$400.00} but would send me a check for {$500.00}, which they did. 

The appraiser requested the house be painted. So I sent an estimate in of {$1900.00}. 
They held as a " hold back '' at closing {$3000.00} to be released once the house was painted and approved by an appraiser. This was done and a request for the funds to be released was denied and only {$1900.00} was released. No reason was given except this was their policy. However, I have a letter stating that ALL funds will be released once the painting is completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
It appears that on XX/XX/2018 Equifax was mistaken or outright lied to the CFPB in CASE XXXX in their response OR that information has reappeared after removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been trying to get a loan modification for a year. Two separate and incorrect appraisals were performed which indicated my home was worth much more than it actually is worth. After disputing this over the course of several months, a correct appraisal was performed. I resent all the paperwork necessary for a loan modification and was told my application was being considered. That information was given to me on XX/XX/XXXX.by my assigned asset manager. I continued to try to make contact with the bank, leaving messages each time but never got a phone call back. Finally on XX/XX/XXXX I received a message that my primary contact was no longer with  the company and I was given another contact. Again I had reached out but we kept playing " phone tag '' On XX/XX/XXXX I finally spoke to yet another representative assigned to my file. From the conversation, it sounded as though my file was lost or somehow unattended. but now the file would be " escalated ''. I received a letter from the bank requesting items that don't exist and have been trying to reach the new representative to try to clarify exactly what they need to move my application along. I have left 4 voicemails over the last couple of days. I left specific information on when I could be reached since we are in different time zones. As I am on the West Coast, I said I could not be available until XXXX PST./ XXXX EST. Instead he left a message at XXXX PST. I am really concerned this is their " strategy '' to avoid working on my file. They have made themselves almost completely unavailable to me. As I have a deadline of when I need to submit the remaining paperwork and documents I am very concerned that I can not reach anyone at the bank. From the outset, this bank has made mistakes on my file or have been obstructionist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending ( XXXX XXXX XXXX XXXX ) is company I have a VA loan with on my old house. They offered me a great va refi rate in the fall of 2016 and I agreed to refi. They were already servicing my loan up to that point as well. I submitted everything in a timely matter and I was told not to pay XX/XX/2016.  Then they closed that account to start a new account with the new rate. While this was going on, their was no communication within their own company that I was doing a refi and they reported that I did not pay XX/XX/2016 and now Im dinged with a 30 day late payment. I called them and emailed them about this multiple times with no resolution. As Im checking my credit right now, I see that blemish on my record and this is not my fault, but theirs. They incorrectly reported me as delinquent and they need to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX - XXXX 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 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 2018-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I have previously submitted a complaint with you regarding this company for the same reasons, and it was effective until recently. XXXXXXXX XXXX contacts me, my husband, my parents, and my in laws multiple times per day. When visiting my parents yesterday they were calling their house, and they explained to me that it was the fourth time today XXXX was calling to ask for me. My parents have told them multiple times that I do not live there, and can not be reached there so please stop calling. With my last complaint this was all specified and they agreed to stop. They have not. So far today they have called my phone twice, as well as my husbands. If I were to call my parents Im certain they will have called them as well. Something needs to be done because they obviously dont have consequences when they are reported or else they would stop harassing me and my entire family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX a charge for XXXX was taken out of my account from Suntrust Bank. I did not recognize the charge so I started a dispute for this transaction and a provisional credit was issued. On XX/XX/XXXX that amount was retaken out of my account because I canceled the dispute. I called the bank and asked if anything had to be done to get that merchant paid and I was told that nothing was received by bank and that it was like it wasn't ever done. I had forgotten about it and on XX/XX/XXXX we received a bill from XXXX XXXX for the timeshare that had gone into foreclosure for the yearly maintenance fees. At that time we called XXXX XXXX and subsequently paid that charge. I called the bank that day, XX/XX/XXXX, and spoke with a supervisor and they stated that from their end they had paid the merchant but when I told them they didn't have it they escalated it to their investigation team and said I would get a call back within 2 to 3 business days. Well I never and to this day, XX/XX/XXXX, have never gotten a call from them. I have initiated all calls. I called on XX/XX/XXXX, XXXX and today XX/XX/XXXX. I have been told that they do in fact have my XXXX but can not put it back into my account and must pay the original creditor. I explained that I have already paid them and did not want to fight with them to get the money back as I have already waited months for this to get resolved. They could not and would not tell me where my money was for so long and why it has taken me to call about it and why the merchant never was paid. They also could not tell me when the merchant will be paid so that I can try to contact them to get my XXXX returned to me. I think this is an outrage and for a bank to hold my money and not pay a merchant or tell me they had my money for over 60 days and then when they finally tell me they have it, they don't know when it will be paid is deplorable. I just want my XXXX back into my account or the merchant paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK
State: WI

Complaint narrative:
Discover Student Loans claims they have become the servicer of a loan in my name. I have not been receiving bills regarding this loan previously so I was suspicious and called them in XX/XX/XXXX and again in XX/XX/XXXX asking for them to send me a copy of a master promissory note to verify that the debt is legitimate. They told me both times I would receive it within 7-10 business days but I have not received it either time. They are now reporting this account to credit agencies.

Company response to consumer: Closed with non-monetary relief