vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Due to some unforeseen circumstances we have fallen behind on our mortgage and when we have contacted Mr. Cooper to set up some kind of payment arrangement and ask for a forbearance or a deferred payment they refuse. They told us that we have to have two payments and now it's three payments before we can save our house. They also told us we were not able to even make one payment because they refuse to accept it. They want a big lump sum and unfortunately that's impossible but yet they won't let us make our monthly payments now that we're on track. If we were able to make our monthly payments we would be able to get on track and keep the payment made every month. but they refused to let us do that so now we have fallen even further behind, and they said that they are foreclosing on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on 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 2019-12-08 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: NY

Complaint narrative:
An OLD credit card OVER seven years old was removed from my account last summer due to the account being OLD. NOW, it has appeared on my credit report again recently with the same information just a new date and NEW collection agency. This should NOT be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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:
Equifax has reported several months on my credit report as " NO INFO '' for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. This is INCORRECT. EVERY single one of  those months were PAID in FULL and EARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.

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 2019-12-08 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: Receivable Management Group, Inc. (GA)
State: PA

Complaint narrative:
I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have sent written request to all 3 reporting agencies requesting verification and validation. To date, they have not been able to provide the proper verification which according to the FCRA must be removed. The deficiency has to be removed due to the fact that XXXX XXXX XXXX has not complied with my written request in timely manner. Engaging in deceptive acts or practices violating CFPA laws and acts. I am attaching copies of written correspondence dated more than 90 days and to no avail have I received proof of anything that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I discovered Navient has possibly sold my loan to another servicer by checking experian. I have not received any notice this was taking place and now I don't know how to register for the IBR by  XX/XX/XXXX. I did receive my quarterly interest statement this week ; however, no information about the new servicer and how to register for the IBR. This stresses me out! I'm struggling! Also, I was under the impression that a college education would put me in a better place financially. I graduated on the XXXX 's list and have never held a job pertaining to the XXXX XXXX degree. It's frustrating that I graduated in XXXX and couldn't earn enough to even generate enough income to pay on a student loan until XXXX and have to choose between eating, paying for my broken wrist, follow up treatment for XXXX, treatment for XXXX XXXX or paying for student loans. I STILL can't even afford to insure a car. I'm a single parent of XXXX adult children and with all of these issues, I don't dare marry. Housing expenses have climbed for everyone. I cohabitate with my son who struggles also.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2019, I walked into a Bank of America branch at XXXX, Georgia to open an account with my brand new social security number, which I received on XX/XX/2019. The officer started the account opening process and when she got to the last stage, she said she couldn't complete the process because of risk closure. She gave me a number to call and she said it's the risk closure number. I called the number and I was told it was the decision of the bank not to open the account, that I can proceed to other financial institutions to get an account. To my amazement, I got a mail from bank of America, few days later stating that they closed " my '' account and I shouldn't make any transaction on the account. Now this is the account that I was told they couldn't open in the first place. I wasn't given any account number at the bank, nor given any paperwork, so where is this coming from? They even threatened me in the mail that they would report me to XXXX XXXX XXXX and XXXX XXXX. For what exactly? I never had any transaction with this bank. I went there with brand new social security number and New IDs, so what's my offence?? Ever since I got this mail from them, I haven't been able to open account at any other bank, they claimed there was a report from XXXX XXXX XXXX, all these happened after bank of America told me they would report me to XXXX. I never had any issue involving any bank! So what's going on? At the end of XXXX, bank of America sent me a bank statement all in XXXX dollars, claiming it's for my account, which is a surprise because they told me they couldn't complete the process! So where is the account number and statement coming from?? Now their report to XXXX XXXX XXXX has prevented me from opening account with other Banks. I never had any transaction with the bank of America, why did they say they would report me? For what? This is frustrating! All documents I took to the bank for account opening were brand new! including my social security number.

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 2019-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: College Foundation, Inc.
State: VA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is violating the FAIR CREDIT REPORTING ACT they know the account does not have my name and they still are reporting it and its reported twice and it a secured care in which no debts are left with secured cards and thats why they are called secured credit card, you only spend the money you have loaded or previously add by bank, atm, or however the cash load works! I need this fixed i am looking for work and this has caused me to miss out on employment opportunities. Thank you Respectfully, XXXX 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 2019-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a notice from Bank of America that an account was open in my name that was overdraft XXXX. Then the next day I was sent a letter that that account was overdraft XXXX then the next week it was overdraft XXXX. I reported the account be closed immediately to regulatory affairs and management and the contacted me and assured me it was frozen and that I would receive no contact from them further. Even after I began receiving letters which meant it wasnt froze or someone unfrozen it and is stealing from a fraudulent account in my name. There is no way an account can do that and remain open yet the bank kept it open anyway even after I sent them a fraud report from the federal government homeland and the FTC. The XXXX wives in particular and XXXX employees are known to do this to military. They bully military in the banks. They know its not possible for an account to do that yet they kept it open even after I provided legal information that should have kept it closed.

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 2019-12-08 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: MD

Complaint narrative:
Equifax continuously mismanaged my credit report. In XX/XX/XXXX they reduced my score 36 points just because I got a credit increase of XXXX. I believe someone is purposely sabotaging my report at Equifax because I have previously complained about them. They are the only credit bureau that continuously maintains the lowest scores for me. They continuously report inaccurate information. I got a credit increase and XXXX  score went up 10 points. I believe that they are targeting me I would like to have a serious investigation done. How can I have XXXX at XXXX  and XXXX with equifax. I just had a miscellaneous derogatory late information removed from my mortgage company in XXXX and it's not reflected in my score. I want them fully investigated because I want to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is {$1000.00}. 

I have also tried to contact XXXX at the office of the president multiple times and left a voice mail. XXXX sent a letter full of useless information that I did not request. I am seeking to establish a settlement for the auto loan that went into default for {$3000.00}. I am not requesting the account be removed or deleted, although if that's an option, I would like to take advantage of it. If not, I will settled with the status of the account being changed to " Paid in Full '' as opposed to " Settled ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AP

Complaint narrative:
I had a home loan with Ditech which I never missed a payment on. I sold the house and have the loan paid in full, but I've had nothing but problems since. I've called Ditech customer service reps about 10 times for this now and Ive gotten nowhere. 
Ditech home loan number XXXX. 

My loan is paid in full. However, I have a {$560.00} escrow balance left with them, need it refunded and they refused to disburse me my money. Ive asked for this refund at least 10 times now. There is no reason they should be holding this money and refusing to send it to me. 

Additionally, my loan closed on XX/XX/XXXX. During that loan closing, my title company paid my county taxes in full. No taxes should have been sent out by Ditech because they were paid in full by me, but for some reason, they still dispersed my tax payment on XX/XX/XXXX. ten days after my loan was already done paid off. Since my taxes were paid in full during closing, then again paid by them, they have been double paid. The county will not issue the refund to me since they're the ones who made the payment. They need to get a refund from XXXX County for {$1200.00} then send me that refund, but once again they refused to do so. 

With the tax payment, and my remaining escrow balance, they are withholding {$1800.00} of my money, and not a single representative will do anything about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I received a letter from the company named Pioneer Credit Recovery.  They claimed that i owe XXXX. I also was contacted via mail and phone by XXXX XXXX XXXX which claims to represent XXXX XXXX   XXXX  : this company claims i owe a total of XXXX. These companies have been debiting my personal bank account each month due to me signing up for a student loan rehab program to get my loans out of deffault status. Induction into these programs required me to agree to unconventinal stipulations within the law that binds collection agency practices. The ammounts listed include collection fees and other fees beyond the principle ammounts owed to the orriginal guarantors of these direct stafford and ffel student loans. 
I confirmed this on the nslds.ed.gov website and fafsa.edu.gov and navient. 

One of the collection agencies also took innital steps to garnish my wages and/or innitiate a treasury offset, if needed. Both these companies actions are questionable, possibly fraudelant.

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