vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am trying to make additional payments against the principal on my mortgage with Freedom Mortgage, the servicing company. This is a new mortgage ( XX/XX/XXXX ). I make the normal monthly payment directly to them via EFT from my bank. This monthly payment is for servicing the principal, interest and escrow. 

I tried to make an additional payment directly against the principal by sending a check. The check was notated to indicate I wanted it applied to the principal. I sent the check with a letter of explanation that the payment was for servicing the principal only. 

After Freedom Mortgage received the letter of explanation with the payment, they recorded it as " unapplied funds. '' Unapplied funds are held until there is enough to submit a regular payment to service the principal and interest. When I saw this on my statement, I called to request an explanation. 

I was told that in order to make a payment against the principal I would either have to use their web application and provide payment method information or call every time I sent a check and request verbally that the payment is to be applied to the principal only. The representative that relayed this information was XXXX, ID # XXXX. The date and time of the call was XX/XX/XXXX at XXXX. 

The online web application does not allow principal payments only. Rather you have to use their application to submit a principal payment together with the regular payment. To do so one must provide payment method information ( bank account, credit card, etc ). As I stated, I service the mortgage via EFT from my bank account. 

This business practice seems to intentionally make it difficult for a consumer to make a payment against the outstanding principal balance. This is evident in their web application intentionally omitting functionality that would allow a consumer to make a principal payment only. The other issue I have is that they do not openly disclose this, rather the consumer has to proactively engage the company to discover this practice. Because of not applying the amount to the principal as I instructed in writing, I incurred additional interest on an outstanding balance that should have been reduced by my payment. 

Is this behavior from freedom Mortgage compliant with the existing consumer protection laws?

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 2018-04-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a Citibank card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. Citibank was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by Citibank to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

Citibank is still showing on my XXXX credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my XXXX  report. 

In XX/XX/XXXX, I submitted an online dispute to XXXX about this matter. On XX/XX/XXXX, I received a letter in response from XXXX stating that the Citibank information was " Verified as accurate ''. 

I had seen an increase in my XXXX credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX that XXXX had reported negative information to them and now that Citbank account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this Citibank account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by Citibank, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per Citibank 's instructions.

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 2018-04-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Pro ,LLC
State: VA

Complaint narrative:
I RECEIVED A DEBT COLLECTION NOTICE IN THE MAIL ON XX/XX/XXXX FROM DEBT RECOVERY PRO STATING THAT I OWE A BALANCE TO XXXX XXXX XXXX XXXX. FIRST OF ALL I DONT KNOW WHO IS XXXX XXXX XXXX SO I GOT ON XXXX TO FIND OUT WHO THIS COMPANY IS THAT STATES THAT I OWE MONEY. DOING MY RESEARCH ONLINE XXXX XXXX XXXX IS INTERNET PAYDAY LOAN. FIRST I HAVE NEVER BORROW MONEY OR APPLY FROM A COMPANY ONLINE FOR A INTERNET PAYDAY LOAN. SO I CALLED THE PHONE NUMBER XXXX. I SPOKE TO FEMALE AND I STATED THAT I RECEIVED A LETTER IN THE MAIL THAT I OWE MONEY TO XXXX XXXX XXXX   WHICH I DONT OWE. SHE STATED THAT THE COMPANY IS OUT OF BUSSINESS. THAT I NEED TO CALL WHO SENT ME THE LETTER. SO I CALLED DEBT RECOVERY PRO AT XXXX AND SPOKE TO A GENTLEMEN ON THE PHONE ABOUT THIS DEBT THAT I DONT OWE SINCE I HAVE NEVER APPLY FOR ANY INTERNET PAYDAY LOANS. HE ASK WHO I WAS AND MY LAST DIGIT OF MY SOCIAL SECURITY NUMBER AND THEN HE INFORM ME THAT I OWE THIS COMPANY MONEY SINCE XX/XX/XXXX. AS I EXPLAIN TO HIM ON THE PHONE I HAVE NEVER TAKEN OUT ANY PAYDAY LOAN ON THE INTERNET HE STATED THAT HE HAD MY EMAIL ADDRESS AND THAT I DO OWE THE LOAN AND THAT IF I DONT PAY IT BACK THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT AND HE WAS IN THE PROCESS IN FILING PAPERS. AS I STATED TO HIM MANY MORE TIMES IF HE CAN SEND ME WRITTEN OR A CONTRACT FROM THE CREDITOR WHICH HE CAME BACK AND STATED THAT HE HAD A DIGITAL BUT HE CAN NOT SENT THAT. HE STATED THAT ON MONDAY XX/XX/XXXX THIS ACCOUNT WILL APPEAR ON MY CREDIT REPORT. SO AFTER TALKING WITH DEBT RECOVERY PRO ABOUT THIS INTERNET PAYDAY LOAN I CALLED AND TALK TO VIRGINIA BUREAU OF FINANCIAL INSTITUTIONS ABOUT THIS MATTER. I STATED THAT I RECEIVED A DEBT COLLECTION LETTER IN THE MAIL THAT STATED THAT I OWE XXXX TO XXXX XXXX XXXX FROM XX/XX/XXXX AND THIS ACCOUNT WENT TO COLLECTION AND THIS LOAN IS INTERNET PAYDAY LOAN. I WAS INFORM THAT IN THE STATE OF VIRGINIA INTERNET PAYDAY LOAN ARE ILLEGAL SECOND XXXX XXXX XXXX IS NOT AUTORIZE TO DO BUSSINESS IN THIS STATE THEY DONT HAVE A LICENSE. THEY WERE SHUT DOWN BACK IN XX/XX/XXXX. I WAS ALSO INFORM IT WAS ILLEGAL TO PUT ILLEGAL PAYDAY LOAN ON ANYONE CREDIT REPORT. I ALSO STATED THAT THEY REFUSE TO SEND ME ANY DOCUMENT FROM THE COMPANY NOT FROM THEM THAT SHOWS WHEN THE ACCOUNT WAS OPEN, THE AMOUNT GIVEN. I WAS ALSO INFORM THAT ON INTERNET PAYDAY LOANS THE AMOUNT I WAS GIVEN IS DEFINELY A RED FLAG. SHE READ THAT ALL LICENCE PAYDAY LOAN PLACE IN THE STATE OF VIRGINIA THE AMOUNT YOU CAN BORROW IS UP TO XXXX BUT YOU ONLY BORROW MONEY FROM A BUSINESS NOT ONLINE SINCE ITS ILLEGAL. THE PHONE NUMBER THAT I CALLED WAS XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: NY

Complaint narrative:
I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

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 2018-04-21 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: NY

Complaint narrative:
I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote the following letter to XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX Your company is hurting my credit rating because of the way you report to the credit reporting agencies. I have a home equity loan from XXXX that is in the repayment stage. Each time I pay my loan you report to the agencies that my balance owed is lower but you also tell them that my credit limit is lower. This makes it appear that I have a maxed out line of credit. This makes my credit rating lower. 
I have had this line of credit since XX/XX/2005. You always had this practice and it always disturbed me and it is the reason that I would not take another home equity line of credit from XXXX. However now since president Trump has made it so that I can not deduct the interest on this loan on my taxes anymore I want to let you know just how punitive this practice is. 
I am paying this loan off as soon as I can. I pay twice the minimum amount required so I can get rid of it. But if you could help me by reporting the original limit of the loan ( {$75000.00} ) to the credit reporting agencies instead of reporting the balance due ( currently {$46000.00} ) as the credit limit it would make my life with this loan much easier. 
Please view this as an official complaint about this policy.

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 2018-04-21 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: TX

Complaint narrative:
I spoke with someone, this morning in the disputes department of Barclay Card.Not only was she condescending and kept interrupting, her responses and tone can tell she didn't care, frustrated and unprofessional. 
I was charged for a XXXX rental, that was prepaid, with mileage I earned on their card with their partnership through XXXXThe rep I spoke to today told me they have nothing to do with them, though, they sold me the card because of their joint relationship.I was charged almost {$500.00} for the rental that wasn't suppose to be.And for the last three weeks, have been given the run around by both XXXX, XXXX and of course Barclay card. 
Their ethics of doing business with customers ( at least for me ) is reckless, irresponsible, unprofessional and not obscure. 
Their responses to issues are so bad.In XX/XX/XXXX, my card was fraudulently used and it took them a week to notify me, not by e-mail or phone but via text but you want to get paid on time but fail to neglect your duties to customers

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 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: PA

Complaint narrative:
getting constant calls, ,i have no idea what the debt is, and wont tell me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I have been disputing a account on my credit report from XXXX XXXX XXXX. On XX/XX/2018 i sent a letter to XXXX XXXX XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from XXXX XXXX XXXX within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc.
State: GA

Complaint narrative:
This company Total Card keep charging me monthly fees when the account closed and i am in the debt consoldiation program. they didnt closed the account when i call to closed it they wait until account got so delinquient to closed the account. and the account is in the debt management program. XXXX XXXX XXXX XXXX take off money every month pay the creditor I been in the program since XX/XX/2018 my program made every month XXXX payment total card agreed from the proposal. and they still charging me a monthly I call them numerous times to age the account and reverse the fees they have refuses. they say I am late I am not am current on my account throught the debt program. They accept the proposal which means no fees at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: FL

Complaint narrative:
In XX/XX/XXXX, I was forced to declare Chapter XXXX due to some extreme circumstances in my personal life. At the time, I had a XXXX card with a balance of {$20000.00} that was included in the bankruptcy. In XX/XX/XXXX, I had the Chapter XXXX bankruptcy dismissed. 

I contacted all the credit card companies I owed money to and negotiated a settlement amount with them directly. XXXX was the only creditor still showing my bankruptcy as " active '' for 8 months after the dismissal. I took me the next 8 months and many phone calls to finally resolve that. Finally in XX/XX/XXXX I was told by XXXX to contact XXXX XXXX XXXX XXXX XXXX to arrange a settlement amount. 

I did this and on XX/XX/XXXX I received an email from XXXX with the agreed upon settlement amount that we had discussed over the phone. I paid that amount, {$6100.00}, to XXXX XXXX XXXX on XX/XX/XXXX and have a receipt from them for that payment. 

XXXX is still showing on my TransUnion credit report that I owe {$20000.00}. The payment has NEVER been accurately reflected on my TransUnion report. 

In XX/XX/XXXX, I submitted an online dispute to TranUnion about this matter. On XX/XX/XXXX, I received a letter in response from TransUnion stating that the XXXX information was " Verified as accurate ''. 

I had seen an increase in my XXXX  credit score when the amount was paid to XXXX and at that time XXXX  was reporting that it was Paid/Charge Off with a XXXX balance. Within the past couple of weeks, I got an alert from XXXX  that TransUnion had reported negative information to them and now that XXXX  account is showing up as " Charged Off '' with a balance of {$20000.00} on my XXXX   credit report. My XXXX credit score plummeted over 50 points because of this. 

This erroneous reporting of information has negatively affected my creditworthiness. 

I met with a mortgage lender back in XX/XX/XXXX and was planning to purchase a home in XX/XX/XXXX. This false reporting is causing great damage to me. I no longer qualify for a loan because of this. I will be unable to buy a home/obtain a mortgage because of this. I am unable to qualify for ANY credit because of this. I am requesting that this XXXX account be COMPLETELY removed from my report with ALL credit reporting agencies. 

If I am unable to have this request met by XXXX, I have been advised to seek out the help of an attorney that specializes in such matters and pursue damages. I am not a litigious person and would prefer not to do that if I can just get this resolved and get this off my credit once and for all. 

I am providing proof that this amount was paid to XXXX as per XXXX 's instructions.

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