vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: NY

Complaint narrative:
On XX/XX/2018 I closed on my house with a loan from Residential Home Funding Corp . The mortgage officer XXXX XXXX was incompetent at times and became unprofessional and rude when he didnt want to correct or admit his mistakes. He strung me along in the process and gave me misinformation regarding home insurance, down payment and interest rate. He also repetitively lost my paperwork. When closing was near, I felt pressured into taking a sky high 5.5 % interest rate on a {$280000.00} FHA loan ... which made my payments about {$2700.00} a month. Concerned about the high payments ... he told me it was just because of the {$8000.00} yearly taxes that my mortgage payments were so high and that its worth it and I I dont get a better deal. 

One month after my closing date Residential Home Funding Corp transferred my mortgage to XXXX XXXX XXXX. Ever since, I have been late on making many payments and I am struggling to avoid the foreclosure process. My credit is ruined and I cant even apply for an FHA streamline mortgage bc of my late payments. To add insult to injury Residential Home Funding Corp called me to tell me that XXXX XXXX no longer works with their company ( Im guessing he was fired ) and they lost my paperwork ( child support paperwork )! 

I do believe I was a victim of a predatory mortgage loan and I plan to seek civil compensation for the financial damages this mortgage loan has done to my current situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
I received a default request in XXXX from XXXX XXXX XXXX, law firm, on behalf of XXXX XXXX XXXX regarding a debt initiated by my ex-wife. We have been divorced for over 26 years. Originally I didn't know what the debt was so I sent them a letter stating I was not aware of the debt. They responded with an assumed Debt Validation Form listing creditor XXXX XXXX XXXX. The address on the so-called form was not where I shared a residence with my ex-wife. 

Each year just prior to income tax filing, I receive a Request and Writ for Garnishment of a state income tax refund. I am a XXXX veteran who have not had steady employment for over 26 years thereby have not filed an income tax return. I have sent numerous responses and explanations to this law firm with no positive results. Due to their consistent threats, I filed a grievance with the Attorney Grievance Commission against them. 

On XX/XX/XXXX I informed them of my rights and that the statue of limitations for filing judgments in the court system in Michigan is against the law. They responded on XX/XX/XXXX stating " MCL 600.5809 ( 3 ) provides that the statue of limitations for a judgment is ten years. Additionally, this statue allows the judgment to be renewed for an additional ten years upon timely application -- a motion to renew the judgment was filed on XX/XX/XXXX. '' Companies involved are : XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX I have copies of all these transactions. They are suing me for {$2100.00}. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I returned a leased XXXX vehicle in XX/XX/XXXX to the dealer and they closed the account with a XXXX  balance. They then reopened the account a month later and claimed the balance was $ 3800+ for  damage that they claimed I left from the lease that the dealer did not see. The damage was a few small scratches that we did not make. They threatened to damage my credit report which they have done if I did not pay. I requested that they take me to court over the matter and they refuse. 


account Number 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 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; XXXX XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-14 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: MS

Complaint narrative:
My XX/XX/XXXX and XX/XX/XXXX payment ( combined as double payment ) was misapplied and labeled as returned by mortgage company. In XXXX I made 2 payments as well to catch it up. XXXX payment made on time, XXXX payment was missed but XXXX was on time. XXXX I paid {$1300.00} on a mortgage that is supposed to be {$1000.00} a month as part of a repayment plan. XXXX I made the same payment and was advised I would be on this plan until XX/XX/XXXX because I was behind 2 payments. Upon further investigation I found the issue as a misapplied XXXX payment as well as one missing XXXX payment. XXXX XXXX is placing burden of proof on me - which I submitted via bank statements and payment breakdown and confirmed with my banks the payments did in fact clear- and VU told me the process has no timeframe for completion. Meanwhile my account has been reported as delinquent for a YEAR and i have incurred fees. I need this fixed ASAP as well as my credit report updated and i am more than happy to provide any and all documentation supporting my claim.

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 2020-01-14 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: WA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 4, 5, 6, 7 and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 4, 5, 6, 7 and 8 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I filed complaint number XXXX with the CFPB against LoanCare. LoanCare failed to provide any details with regard to the proposed loan modification in its letter dated XX/XX/XXXX. I needed to understand the terms of the loan modification before acceptance. LoanCare delayed its response to my CFPB complaint and did not respond to my complaint until XX/XX/XXXX. After receiving LoanCare 's letter of response on XX/XX/XXXX, I signed the Trial Payment Agreement form and sent this information by XXXX on XX/XX/XXXX. LoanCare received my letter on XX/XX/XXXX ( XXXX  tracking number XXXX ). In the interim, I made a trial payment in the amount of {$1500.00} on XX/XX/XXXX by XXXX. On XX/XX/XXXX at XXXX XXXX, I called LoanCare and spoke with XXXX ( ID XXXX ) who said that my loan modification was denied in XX/XX/XXXX because I took too long the respond. However, I did not receive a letter of response to my CFPB complaint until XX/XX/XXXX. I was in a car accident on XX/XX/XXXX and sent medical documentation to LoanCare in the same XXXX  envelope as the signed Trial Payment Agreement. It was received on XX/XX/XXXX ( XXXX  tracking number 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 2020-01-14 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 — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
XXXX  didn't mail me my entire billing history like I'd requested over the phone w/their customer service office to review the entire account so that all the invalid charges can be removed all at once instead of one by one. 

The company just mailed the latest bills for XX/XX/XXXX & XX/XX/XXXX which doesn't show all the charges for the entire month & there are still out of city/state/country charges on the account per the bill- XXXX XXXX XXXX XXXX / Etc.

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 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Requested a copy of my annual free credit report from equifax at XXXX XXXX XXXX XXXX and in the process I am told that the information that I provided did not coincide with their records and I would have to mail a request to them. I send them the information, and receive a letter from them again stating that the information did not coincide with their records. I have tried to dispute the personal information that they have and have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: CA

Complaint narrative:
I paid the amount owe contact them to remove still nothing

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 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a deposit of {$500.00} post on XX/XX/2020. I also had a debit in the amount of {$110.00} post on XX/XX/2020. I was charged a {$38.00} NSF fee on XX/XX/2020 for an item posted and cleared on XX/XX/2020. When I spoke to the CSR, I was advised the debit posted at XXXX XXXX and the credit posted XXXX XXXX. I finally utterly appalling that they would not order the credit first to avoid causing the overdraft charge, I have accounts with XXXX XXXX XXXX and a credit union and neither have allowed this to occur. If funds are deposited in the account the same business day that transactions are posted, THERE IS NO NSF FEE! I find this practice unfair and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I closed my credit card with XXXX back in XXXX. The interest rate at that time on the closed card was 14.24 %. There is still a balance which I am paying monthly. The interest rate has increased to over 15 % on the closed card. I received a couple of statements from the bank from XXXX showing the interest at 14.24 %. I wasn't notified the rate increased and how can it increase on a closed card? Since I don't have the card any longer, they would not assist because couldn't provide the entire account number- I wasn't getting paper statements after the account was 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 2020-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We attempted to pay the {$90000.00} in past due payments to Wells Fargo in XX/XX/XXXX. Wells Fargo did not accept all past due payments due to an {$1800.00} legal fee. We have also filed another complaint with HUD/NOVAD and to verify if they filed a claim in XXXX for assitance. They did not in XXXX even though they said they did which pushed into 24 late payments because they said they were following FHA guidelines. We also do not have the legal written notice of auction that is required by law in Texas 30 days prior. They would have sent it certified mail.

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 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was late making one of my payments ( 30 days late ) the 60 day XXXX double payment ) of {$370.00} was made on time on XX/XX/2019. On XX/XX/XXXX, I was mailed a letter telling me that my secured credit card was of {$5000.00} was being closed and the CD for {$5000.00} was being liquidated to pay the debt. I did not want the credit card closed because I had kept it open for over two years to rebuild my credit. I reached out multiple times and tried to reason with USAA, but they could not tell me why, who made the decision, or how I could talk to the person who made the decision about the error. USAA simply hid behind " the system '' and gave no explanation. 

Not only did they NOT CLOSE the account, they did not liquidate the CD, as indicated in the attached letter, but did report to the credit bureaus that the account was closed. They removed my access to using the credit line, continue to bill me interest and late fees, and continue to report negatively to the bureaus. Now they have threatened to write the account off as a defaulted account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sent me a false copy of a civil warrant in debt. It contained no case number just company information and a false date and time for court. I checked with the court and no such case exists. I called this company bringing this to their attention and they said they couldn't continue the call and hung up. The debt is valid however they made a threat to sue by providing a forged court warrant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I went to school at XXXX XXXX XXXX XXXX XXXX  XXXX in XXXX, IL it is not an option on your list. The school closed before I could finish my degree and not I am stuck with XXXX in student loan debt. It is a non accredited school and was not helping or even trying to help provide a job or internship. I see all these other colleges that closed and student debt was forgiven. Why is this school not an option? I am a XXXX  mother that provided for XXXX kids I work a full time and PT job and live check to check trying to survive with my kids. I can't even go back to school to finish or start another degree to better myself because of the student loan debt I have now. I really want some help with this. I do not know what to do. Navient is my loan servicer they will not communicate with me and keep denying my forgiveness application. The school closed in 2010, It is not 10 years later and I am still fighting this. 

Please contact me. 
XXXX

Company response to consumer: Closed with explanation