vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-26 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: Early Warning Services, LLC
State: UT

Complaint narrative:
Early warning system is now in receipt of my theirs dispute of fraudulent accounts listed on my credit report with them. I was recently denied by XXXX XXXX bank in XX/XX/XXXX for a regular checking account due to EWS credit check of accounts listed on my credit report with them. These accounts had regular fraudulent activity and were closed due to fraud. They should not be listed on my credit report as the information is not 100 % complete or accurate according to the rules and regulations of the FCRA. The data in my report has to maintain 100 % accuracy. EWS fails to honor this agreement to maintain this 100 % completeness and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on account. 

I want you to know that I understand my financial obligations, and if it werent for hardships, Id have an excellent repayment record. I made a mistake in falling behind, but since then, circumstances have changed, Ive had a spotless record of on-time payments. 

I applied for a home for my family, and its come to my attention that the missed payment on my record hurt my ability to qualify due to the low score. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove all the late payments. 

Thank you for your consideration, and I hope youll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background
State: PA

Complaint narrative:
Upon potential employer requesting criminal record I discovered inaccurate information. A criminal record appeared. I have never been arrested let alone have possession of anything. I am requesting this be removed and for the corrected record to be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was a victim of Identity them. I filed a report with Identity Theft. Gov. I submitted all documentation to Equifax, XXXX and XXXX. XXXX and XXXX corrected my credit reports immediately. I was a victim of the Equifax breach. I have sent documentation, the Identity Theft report and letter from that site. Equifax still refuses to remove the accounts off my report. This has been going on with Equifax for the past 2 years. There are 5 accounts on the Equifax report that should be removed. I received an email that the investigation is complete but there is no change to my credit report. I was also a victim of a disaster declared area. I have trying to find adequate housing for me and my son but Equifax is making it impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 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: FL

Complaint narrative:
I have tried multiple times to have my Equifax account updated correctly. I have sent multiple dispute letters and have yet to receive a response and/or correction to my accounts. Equifax has been unable to validate accounts and is erroneously reporting negative information. The entries in question are : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was Baited into an online dating site on a {$99.00} Transaction ... see previous complaints, Temp credit was reversed, and then redeposited into my account, the data files for this complaint were merged and some of the uploaded data was lost as well as notes in claims to make this go away.. to do they they would request a non communicating merchant agree to give me a refund ... they took this out, then they took another fee out unrelated to this that I mentioned being a long standing customer ... The Same Claims People making something go away took over {$200.00} out, causing an account issue # 1 as an it student I can not deal with this and # 2 I refuse to be ripped off ... spent a week on the phone started again to call and my account was in the process of being closed. All Claim data was rejected I took my time out again only to find out they are closing my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
On XX/XX/XXXX I spoke with a Mr. XXXX XXXX about my inability to pay being that i was unemployed at that time. He informed me that i could have the XXXX payment waived by going on a payment plan that would push my account out to XX/XX/XXXX. When The XXXX came around i had just began back working starting XX/XX/XXXX. Being that i was unemployed for a total of 6 months, I also had other bills ( Carnote, Insurance, childcare, ect. ) that i had to take care of or else i wouldve continued to be unemployed without the proper means to get to work. Starting XX/XX/XXXX and almost every day there after i would recieve at least 6 live phone calls a day from Their Place of business LENDMARK FINACIAL SERVICES Located in XXXX, MD XXXX. It didnt really bother me until Yester day XX/XX/XXXX, I received a phone call from an unknown number not saved in my phone. Turns out it was the Branch manger, Mrs. XXXX XXXX Contacting Me Using HER PERSONAL PHONE, Once I identified my self, mrs. XXXX preceeded to tell me that i was past due, which i was aware of and explained to her that i can not send what i dont have and that i was working on trying to fulfil my balance. She then threatened that she would foward my file to an attorney that would then move foward with garnishing 25 % of my wages and then hung up the phone. I called her back to ask what other options did I have because i was planning on making a payment today XX/XX/XXXX, in which i did in the amount of {$200.00}. She then preceeded to tell me that i was behind 2 payments as if to say she did not believe i was activley trying to fulfill my my balance or would be able to. I feel this was a form of harrasment because I recieved i high influx of calls from the company while at work with patients and then to have a Manager use her personal phone to contact me was just mind blowing. I understand there was a job to be done which was getting in contact with me, however it was done incorrectly and Unprofessionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
i talked to XXXX OUR POINT OF CONTACT ON MONDAY AND SHE TOOK A PAYMENT FOR XXXX THAT WILL BE TAKEN OUT OF OUR CHECKING ON XX/XX/XXXX! SLS LIED ABOUT THAT THETRIED TO CONTACT US THEY NEVER DID I CANTACTED THEM THE WEEK AFTER XX/XX/XXXX WHEN THE MODIFICATION WAS DUE AND THATS WHEN I WAS TOLD THAT IS WAS DENIED DUE TO THE NOTARY! WE CAN GO BACK AND FORTH WITH THIS BUT IM NOT GETTING MYSELF UPSET WITH SLS! I HAVE EVERY RECORED MESSAGE AND I WAS DOING WHAT I WAS TOLD! MY HUSBAND AND I WANT THE MODIFICATION TO BE REDONE AND PUT XXXX [ PAYMENT THAT IS GOING IN ON XX/XX/XXXX TOWARDS XX/XX/XXXX AND WE OUR ASKING FOR THE MODIFICATION TO BE BACK DATED TO START AS OF XX/XX/XXXX THATS ONLY FAIR GUE TO EVERYTHING WE WERE PUT THROUGH OR I WILL LET A JUDGE OR A LAWYER LISTEN TO ALL THE MESSAGES FROM SLS!!! ALSO IM ASKING WITH WHOM DO WE ASK FOR OUR LOAN TO BE AUDIT? THERES BEEN MONEY TAKEN BACK AFTER THE HAMP PROGRAM OVER {$20.00} GRAND AND ADDED IT BACK INTO OUR BALANCE THATS FRAUD!

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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX a merchant called XXXX XXXX XXXX had their transaction declined through my Chase Freedom card. I called Chase on XX/XX/XXXX to inquire about that. Earlier on XX/XX/XXXX, that same merchant tried to use my card and I filed a dispute and placed a stop payment on future transactions from that merchant. That explains why the transaction on XX/XX/XXXX was denied. For the dispute it has been resolved and the merchant refunded me the disputed amount easily. 

Now the problem is on how to remove the stop payment on future transactions from that merchant. I have been on the phone with multiple representatives from Chase Freedom and been rerouted to multiple departments so that I can remove that block. It's a shame how Chase is actually handling such issue. From customer service, to senior customer service specialist, to fraud security department, to dispute department, and back to customer service again. Endless rerouting and endless talks with different people and the problem isn't resolved yet. One rep asks me for very detailed verification information to another rep who doesn't know if there is a block on the card to another rep who doesn't have a clue why the transaction has been denied. Endless calls and endless stories. I NEED A RESOLUTION OR I WILL CLOSE MY CARD PERMANENTLY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
Hello, In reviewing my Public Service Loan Forgiveness payment updates documents, I noticed a discount of six previously counted payments. Specifically, XX/XX/XXXX and from XX/XX/XXXX. For the period between XXXX I am listed as making 6 qualifying payments in the XX/XX/XXXX document from FedLoan. The XX/XX/XXXX document lists 0 qualifying payments for that same period between XXXX. Both FedLoan payment records and my personal bank statements list payments being made during that period. Please assist me in addressing this this blatant incongruity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
This collection agencey is reporting debt with starting dates of 5 months ago. I havent been in any hospital for years. Two debts were sold to this company and they changed the date of the debt from being several years old to just months old. They are cheating and lying by entering incorrect debt starting dates.

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 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Mar Joe Enterprises
State: SD

Complaint narrative:
Today XX/XX/26. A debt collector named XXXX called me at XXXX XXXX local time from the Credit Collections bureau. She called from XXXX. This is illegal to call before XXXX XXXX  under FDCPA. I want them to cease and desist and only contact me in writing from now on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Valentine and Kebartas, Inc.
State: FL

Complaint narrative:
Valentine and Kebartas called everyday from XX/XX/2019 until current using different numbers XXXX XXXX, Florida area XXXX ) from a company in Massachusetts. I finally spoke to a supervisor, XXXX XXXX, and he would not disclose the reason for the call. The representative and XXXX XXXX both possessed an abusive tone towards me. They never left a message when they called everyday. The process is deceitful and I felt mis-treated and they were condescending. Please prevent companies like Valentine and Kebartas to behave in such a manner.

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 2019-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In early XX/XX/XXXX I reached out to Navient about two 90 day late items that were on my credit for XX/XX/XXXX, from my Federal loans ( XXXX ) and ( XXXX ). The issue was that, these loans were supposed to be in forebearance/deferred ... as during XX/XX/XXXX I was accepted into another program at another university ( XXXX ). After explaining this, the representative on the phone advised me to resolve the issue I should send a letter and any other documentation I had to Navient 's credit department. On XX/XX/XXXX I sent a certified later via USPS that included the reason why the late payments were an error along with supporting documentation which included the emails I was receiving from Navient that updated me on my loans. I did not hear back from Navient, so today XX/XX/XXXX I called Navient only to find out that they still have not removed the late items from my credit and while they see the evidence I was being misled with their communications ... they are still deeming the late items valid. This to me is a gross violation of my consumer rights as ; 1. I was misled the entire time by Navient, whose communication and reps basically told me that I was in grace/forebearance. 2. I was not given adequate notice which is one of my consumer rights under FCRA ; to make arrangements to prevent my accounts to be delinquent, as Navient basically put a 90 day late on my credit reporting with giving me a 30 day notice. This has huge significance as I have been denied credit in the form of a mortgage and credit cards over the past months ... and lenders are citing the 90 day late as a adverse reason, which compared to a 30 day late would not have the same ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: AES/PHEAA
State: FL

Complaint narrative:
Fedloan servicing student loan is reporting 63 late payment on my credit report. Which is inaccurate I always pay my bill it should be 0. 
Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My complaint is with Bank of Anerica. They cancelled all my credit cards with them for no reason. I had saved rewards totalling XXXX. They did not notify me that they cancelled them on XX/XX/2018. So when they cancelled i lost all my cash rewards. I was saving money to open a XXXX XXXX acct with them. My credit score has always been XXXX to XXXX all my life. I never paid a bill late. I took this to small claims court but the judge ruled the bank can do anything they want. I just want my cash rewards owed me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX Ps. The bank said the reason they cancelled my credit cards were they were afraid i would charge a lot of money and i had too many hits on my credit. Why would i do that? Im XXXX years old. Ive  never done it before so why would i do it now. There were 5 credit cards involved. They are XXXX, XXXX, 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 2019-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/19 I over paid my Barclay MasterCard balance by almost {$6000.00} ( {$5700.00} ). This amount was supposed to go to a different credit card balance. We were traveling at the time. I called and ask them to refund the balance, my bill was around {$250.00}. First they said they would send me a check in 5 - 7 business days. I told them I wasn't at home would they just put the money back to the checking account I paid them with. After putting me on hold, they came back and said yes but it would take up tp 25 business days. I told them that is an insane amount of time to electronic transfer funds, should take 2 minutes, but I agreed because we were out of town. On XX/XX/19 I logged onto our account and there was an email which said they can send me a check for the credit balance on my account. I emailed them back and said " what are you saying, I was told you are transferring the money to my checking account ''? They responded with, oh sorry, yes we are! I talked to them today, XX/XX/19 and of course they have done nothing. I was told sorry they didn't transfer it and can't. I told them this is unacceptable, you have thousands of dollars of mine, held it for 30 plus days and now say you can't do what you told me you would do. They want to send me a check but we are still not home. PLEASE HELP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Mortgage Loan Number : XXXX I am demanding information described below in regard to the debt being collected on my property at XXXX XXXX XXXX XXXX in XXXX Ga. 
My last payment on the loan, according to their records, was on XX/XX/XXXX. In all their correspondence to me they describe the company as a debt collector collecting a debt. The Statute of limitations in the State of Georgia, where my property is located, is 4 years on collection of a debt. this collection of my debt has gone over the four year limit as of XX/XX/XXXX. Select Portfolio Servicing is in violation of the Statute of Limitations to collect a debt according to Georgia State SOL Laws. 

I demand that the foreclosure scheduled for XX/XX/XXXX on my Property at XXXX XXXX XXXX XXXX be postponed until they can prove they are not in violation of these Statute of limitation laws of Georgia. I request a detailed account of Select Portfolios reasoning that they are not in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 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: Security Credit Services, LLC
State: MN

Complaint narrative:
I have an account of {$750.00} with a service where I couldn't make monthly payments for. They sent this to Security Credit Services LLC as debt owe ( according to my credit report, it's Security Credit Services LLC who owns my debt account ). Security Credit Services LLC did NOT contact me at all to pay off the debt, instead, they automatically posted this on my credit report as an open account in collections. They then sold my account to a third party debt collector, XXXX XXXX XXXX. XXXX XXXX XXXX has been harassing me continuously to collect the debt. I paid my debt in full and was informed that I will have to handle this with Security Credit Services LLC to get it removed from collections on my credit report. I've left messages, called continuously, even wrote a letter to fight this. But I have NO response at all. Although the debt was paid in full, it still shows as an open account under collections and it's hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been a long time loan paying citizen and I have been trying to gain some help in lowering my payment to sustain a descent lifestyle. I was temperarilry put on a lower interest rate program but now that that is over I have no other options to pay the high monthly fee. I have made several request to lower my payment and there is no help available. I have pay every month and I am diligent in calling to help with my cause. I have not even been able to the principal down I have only paid interest thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I mailed a Payment to my mortgage company ( Rushmore Loan Management Services LLc ) on XX/XX/2019 and the check was received on on XX/XX/2019, they added a 30 day late payment on my XXXX and XXXX report, my XXXX   report is not showing late for the month of XX/XX/2019. 
I talked to the managers several times the refuse to correct it.

Company response to consumer: Closed with explanation