vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Five year ago, during my financial struggles, I was found to be deemed eligible for HAMP program through Bank of America. My home loan was modified and I received all of the benefits and protections available to me during that 5 year time period. Customer Service was first class during the 5 year eligibility and no one could touch my account outside of my assigned account manager. Well let 's fast-forward 5 years, my eligibility period has ended, no assigned account manager and ALL protections have ended ... Bank of America attacks like pitbulls. XX/XX/XXXX, I call several times disputing with BOA over PMI that I wanted removed immediately from my account. I received push back. I advised them of my rights as a consumer and threatened to report them, so the removed the PMI reluctantly. In XX/XX/XXXX, I am informed by BOA that my escrow will increase by {$150.00} because of an " anticipated '' shortfall. I called and email pleading my case. Customer service was horrific and rude! I requested a manager perform a new analysis of my account, because I would NOT be able to handle the increase. I never received the new analysis or a return call. So, I go with the program, I find myself in a state of XXXX thinking, I can't go against this banking bully or giant. XX/XX/XXXX rolls around, I find there to be a {$500.00} dollar overage in my escrow so I email and call requesting my funds be reimbursed. Feeling bullied and threatened, BOA denied my request. I was irate. For 5 years, I was treated like Royalty under the HAMP program, now you are treating me like trash. My mortgage was being paid timely. There was no late payments. I was doing EVERYTHING right, but I the consumer was being treated like a second class citizen. XX/XX/XXXX, I go to make my mortgage payment online. My mortgage has increased by {$55.00}. I was NOT notified! Reviewing my statement online, the have once again INCREASED my escrow amount. Their methods and reasons are unethical, illegal and unfounded. They had just performed an analysis 6 months prior. There was an overage going into XX/XX/XXXX. There should NOT be any PMI on my account. What is the justification for the increase? I was NEVER informed! I paid the requested amount, ONLY to prevent late payments. I am requesting that BOA unethical practices be fully investigated and exposed! I am requesting my overage be reimbursed. I am requesting that the escrow increase be removed from my account dating back to XX/XX/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 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 status incorrect
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
This account with Ford was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX THIS ACCOUNT IS REPORTING ON MY EQUIFAX CREDIT REPORT AS IF IT'S MY ACCOUNT. I'VE SENT NUMEROUS OF CERTIFIED LETTERS TO ON XX/XX/2016 THE COMPANY NOTIFYING THEM THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY AND THE LETTER WAS RECEIVED BY AGENT XXXX XXXX, ASKING THEM TO PLEASE CEASE AND DESIST WITH THE COLLECTION PRACTICES AS I AM A VICTIM OF IDENTITY THEFT AND STOP REPORTING THIS ACCOUNT TO THE EQUIFAX BUREAU BECAUSE THE ACCOUNT DOES NOT BELONG TO ME. I'VE ASKED FOR THEM TO VALIDATE THE DEBT AND TO VERIFY THE VALIDITY OF THE ACCOUNT. SHOW ME PROOF OF THE ORIGINAL CONTRACT BEARING MY ORIGINAL SIGNATURE. DO NOT SHOW ME PROOF OF BILLING STATEMENT BECAUSE THAT DOES NOT VALIDATE THE ACCOUNT TO BE ACCURATELY MINES. I'VE FILED THE PROPER PAPERWORK WITH THE LOCAL POLICE DEPARTMENT AND AFTER THEIR INVESTIGATION THEY SAID IT WAS NOTHING THEY COULD DO. I HAVE SENT ALL DOCUMENTATION INTO EQUIFAX TO REMOVE THIS ACCOUNT AND THEY HAVE YET TO DO SO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affiliated Acceptance Corporation
State: CA

Complaint narrative:
Issue originated when my credit card used for automatic monthly payment was declined due to a fraud alert. Not 2 days after card was declined XXXX  charged a 30 % fee for the decline which is outright fraud given I was not even afforded a grace period to get the new card and update. The real issue is however when I had to pay a certain lumpsum ( {$700.00} total ) to terminate my contract with them but still need to pay the facility the ongoing monthly tuition? My lumpsum payment are pre-paid tuitions and should be either applied to upcoming tuition or restituted to me. 

Please also note business has multiple complaints with the XXXX XXXX XXXX along with extremely negative reviews suggesting foul business practices on XXXX.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and Transunion/ XXXX/ XXXX continue to allow for the information to be removed and replaced back 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 2018-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns placed a 30-day late with all three credit bureaus ( XXXX, XXXX, and XXXX ) for a missed payment ( XX/XX/XXXX ). I  spoke with several representatives at CONNS when I found this out and they confirmed that this was incorrect reporting ( check all the recordings! ) They instructed I write and fax a letter of explanation and request a correction and I did just that XX/XX/XXXX. 

It took months for me to receive a response that Conns would not correct the error. Therefore, this incorrect reporting has negatively impacted my credit for now 5+ months thus dropping my score considerably and that is unacceptable. We have planned to move our children to another district due to bullying in XX/XX/XXXX but at this rate I couldnt purchase a home, let alone lease a home with this negative reporting so this is beyond stressful. We have to relocate, who's going to accept us with all these 30-day lates?!? My credit worthiness is very important, so I wouldn't haphazardly miss a payment. 

Im disputing the initial 30-day late that was given and request that Conn 's notify the credit agencies to remove it and all the rolling 30-day late that are being reported thereafter based on the following facts : I was given an extension on payment XX/XX/XXXX due to that fact that I had been adversely affected by Hurricane Harvey. I was told that the extension would be for XX/XX/XXXX and XX/XX/XXXX payment and the amount requested and paid on XX/XX/XXXX was {$49.00}. This payment allowed me to enter into the extension agreement and that my next payment would be due in XX/XX/XXXX ( XX/XX/XXXX to be specific ). I made XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$250.00}. It wasn't until XX/XX/XXXX when I checked my credit that I noticed Conns had been reporting me 30-day late for missing XX/XX/XXXX payment. 

I was hard enough to deal with the devastation from Hurricane Harvey and Conn 's not honoring their agreement has only made it worse. I had never had a 30-day late with Conn 's prior to Hurricane Harvey and their promise for an extension.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: MD

Complaint narrative:
On XXXX-XXXX-18 and XXXX-XXXX-18 XXXX and XXXX accepted and added a fraudulent debt to my credit file from a company called XXXX XXXX XXXX. This debt of {$1100.00} does not belong to me in any way shape or form and XXXX  and XXXX should not have allowed this to take place.

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: Debt Recovery Solutions, LLC
State: CO

Complaint narrative:
I received a notice that Debt Rec Sol for {$1300.00} opened on XX/XX/2018 and reported on XX/XX/2018. I have not opened any accounts for this amount and have no record of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
To Whom It May Concern In summary : Leased the car XXXX XXXX with the promotion of one month free ' I noticed that I did not receive my my Free promotion month and contact XXXX financial center on XX/XX/XXXX. 
After several phone conversation with the customer service /manager I was told that we will look into it and I should not be worry and any over payment will be refunded I asked instead of sending check please just transferred the money to my new account since I was in process of purchasing the new car from the same company When I returned the car and lease the XXXX XXXX XXXX I was under impression that that i have credit to my contact On XX/XX/XXXX I received notice of late payment Immediately called, after 1.5 hours being on phone finally spoke lady on Resolution center ( I have name Not have name with me now ) explained the situation She apologized about wrong information and suggested to pay all balance now ( and they will look into over payment on XXXX car since two account are completely separate ) and assured me several times that It wont affect my credit. ( Hope there is record of our conversation ) She also kindly removed late fee. 

I paid total amount same day Without exagerbation for last 9 months I was on phone more than 20 hours. ( I had to take day off two days to stay home ) Everyone giving me same info and no one returns the call at all. 
few days ago I was told they would honer promise of lady about XXXX payment but somehow It took several days for my payment to actually get into my account ( Dont know How could I Know that or being responsible ) on same day I spoke with XXXX XXXX ID XXXX and faxed info ( he was supposed to call back? ) So far problem was only money but After 23 years I found my dream home .In processing of getting loan I was told My credit score of XXXX dropped to XXXX XXXX I got panic thinking of fraud or ID thief but actually it was for REPORT OF 2 LATE PAYMENT FROM XXXX. 
One from XX/XX/XXXX ( as was explained above ) and second One for XX/XX/XXXX -For XX/XX/XXXX I paid on time ( actually earlier ) but there was XXXX Miscellaneous ( tax ) so by error they took my payment for that XXXX $ and the report me for late fee ( this one they admitted was error but it will take 30 days for processing ) None of them was communicated to me. 
In my whole life never being late for any payment As a XXXX I am not familiar to law but I trust the law to protect people from wrong doing of big company The owner of my dream home accepted my offer but can not wait months to resolve my credit issue Please help me they are not even return my calls I will be more than happy to answer any question or providing info If needed it Thank you for your consideration Sincerely XXXX XXXX XXXX XXXX XXXX email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo offered to us, and many other families in Florida, a Disaster Relief Program after Hurricane Irma. My husband was the first one to take the call. They offered three months payment-free - XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - as a courtesy for those dealing with the aftermath of the hurricane. When my husband specifically asked how that amount would be repaid, the representative told him they werent sure at that point, but it would definitely NOT affect our credit. When we called at the beginning of the year to resume payments, they told us our Disaster Relief went through the middle of XX/XX/XXXX and we were resume payments at that time. Since then, we have paid every month, despite no access to the online payment portal. We have to call our Disaster Relief representative to make the payment, but she is never available and when messages are left, she rarely returns them. Apparently, the amount relieved during the Disaster Relief Period is being placed into a loan that will need to be repaid, which is fine. But I only know that because we considered refinancing in order to take advantage of our better credit at that time and we had to use the myloantracker system to manage the process. That refinance loan was dropped unexpectedly and without any communication from Wells Fargo. We had to seek them out for a reason and when we finally got the answer, it was because It wasnt fiscally reasonable for them at that time. Back to the Disaster Relief, the myloantracker system hasnt been updated and there is no communication from our representative. I tried to fax, share, and email a document I needed to submit, and sent several emails to our representative asking if she had received it with XXXX reply. This makes us very anxious. I finally was able to upload it to myloantracker when I hadnt been able to do that before. With NO COMMUNICATION from Wells Fargo, we have no idea what is happening with our house or mortgage. Our worry is that we will go into default and we desperately dont want that to happen as we have XXXX small children. A search of Wells Fargo Disaster Relief Complaints will uncover many people who were told the same things and are going through the same issue.

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 2018-04-21 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: TX

Complaint narrative:
IN REGARDS TO : XXXX XXXX-XXXX XXXX XXXX   XXXX XXXX TEXAS XXXX THIS ACCOUNT IS NOT MY ACCOUNT AND I AM NOT PAST DUE ON MY CHILD SUPPORT. I DISPUTED THIS ACCOUNT ON XX/XX/XXXX THROUGH CERIFITED LETTER LETTING THEM KNOW AS WELL AS EQUIFAX THE ACCOUNT WAS NOT ACCURATE AND MY PAYMENTS HAVE BEING MADE ALWAYS ON TIME. I WAS INFORMED XX/XX/XXXX THAT THE ITEMS WERE REMOVED FROM MY CREDIT REPORT. NOW I DISCOVERED THAT THE ITEM HAS BEEN REINSERTED ONTO MY REPORT. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) requirement relating to reinsertion of previously deleted material. ( ii ) Notice to the consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I RECEIVED NO SUCH NOTIFICATION. THIS IS A VERY SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE LEGAL ACTION FOR YOUR BLANTANT DISREGARD FOR THE LAW. EQUIFAX AND THE ATTORNEY GENERAL 'S OFFICE SHOULD BE ASHAMED OF THEMSELVES. INVESTIGATE INTO THE MATTER. YOU HAVE ME MIXED UP WITH SOMEONE ELSE MAYBE THE NUMBERS OR NAMES GOT CROSSED, OR SIMPLY A HUMAN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Mr.Cooper I have contacted you numerous times to get a valid account number for extra payments, payoff and received nothing but useless information. 
Customer service is dismal, managers don't keep their promise to call back, valid e-mail addresses are not provided and you are wasting an unbelievable amount of my time by putting me on hold and passing me thru your system with no outcome. 

Who do you think you are? 

I attempted to make a transfer to the account your Customer service gave me verbally and in writing ( 3 times ) : > Bank Account # XXXX > Routing # XXXX > Bank Name : XXXX XXXX XXXX XXXX 
> Bank Address : XXXX XXXX XXXX, > XXXX XXXX, CA XXXX The payment bounces back because the account is not recognized. 
XXXX XXXX

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 status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX of XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ Equifax/ XXXX continue to allow for the information to be removed and replaced back on my credit report.

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 status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and Department of Education ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. AroundXX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ XXXX/ Experian continue to allow  for the information to be removed and replaced back 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 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I wrote the following letter to Citibank at XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Citibank 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 Citibank 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 Citibank. 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 non-monetary relief