vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX     XXXX   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have an  American Express card . The card has a credit limit of  XXXX  dollars.  American Express ( Amex ) d evised a scheme that allowed a creditor to post charges to the card that exceed the credit limit by  XXXX . I did not request an increase in credit limit. I did not authorize an increase in credit limit. I did not consent to an increase in credit limit. The actions o f Amex frau dulently opens a new account in much the same wa y Wells Fargo  did without actually issuing a physical card.  Amex has often  refused to pay a creditor that exceeded the credit limit on the account by only a  XXXX  dollars. The purpose of the scheme was to create an account wherein  Amex  could collect high interest on an account that would be difficult to pay off. The action by Amex deprives me of the right to determine the means I could or would use to pay off a creditor.  Amex  denied me my right to negotiate payment to the creditor if I recognized the creditors claim as valid. Credit limits are not arbitrarily or capriciously assigned to an account. Amex operates as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On  XXXX / XXXX /  XXXX   I deposited {$400.00} in cash a t Wells Fargo   XXXX   XXXX . On  XXXX  my online statement showed the {$400.00} deposit with a reversal. I made a copy of the statement. The person (  XXXX   XXXX   )  said she sees no deposit, but will research it. Next day on Thursday I see  XXXX  deleted the deposit off my statement. I see the branch  manager and she  says we will research it. Now the bank just says they see no deposit. Well, as I said  XXXX  deleted the deposit off my computer records. The bank refuses to put the money back in my account. I got a police report. The bank does not give receipts unless you ask for  one, but look I have the deposit on my copy of the statement. The bank refuses to tell who took the deposit, who re versed the deposit, who deleted the deposit. If that is not a sign of guilt, what is?

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 2017-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES
State: NY

Complaint narrative:
I was told I could not pay off my loan because Great Lakes  (   XXXX    was the representatives name ) lumped all of my loa ns into one payment.   XXXX  told me that I have to satisfy my minimum monthly first before I can pay off my loan. My monthly payment is  one monthl y payment for all of my loans. Each loan was given a " token number '' but was rolled in to one payme nt. Each loan has different interest rates. I am trying  to payoff one specific loan that is a low balan ce but high rate. They told me that even though I have a monthly automatic payment set up that I CAN NOT PAYOFF THAT LOAN. They said I have to make the minimum monthly payment  FIRST! I am trying to payoff one loan that they took upon themselves to roll into one big loan. This is costing me daily interest that the company is profiting from by not allowing me to payoff my small loan that they rolled into one big loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I had a loan with the local "  TOWER LOAN  '' Company and the loan has been paid off and I was told they only report to the credit bureaus every 3 months. This is an unreasonable time to wait to see your  credit score  reflect the removal of the debt. I believe it is intentional to keep consumers in a position where they can not get lower interest loans and will have to keep coming back to them when they need money. I called both the local office and their controlling office in Mississippi for help and got none. As a matter of fact when I ask to have the name of the person in charge of the corporate office I was flat out to ld NO..

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 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
On  XXXX / XXXX /  XXXX   I obtained my credit report from  XXXX   XXXX   XXXX  in attempt to qualify for a mortgage. I noticed that on my accoun t National Credit Systems is   reporting  XXXX  collection account.   One   for {$4000.00} and another for {$500.00}. On  XXXX   XXXX  I disputed these account with the credit bureaus and the account was removed. The accounts are now back on my credit and affecting my ability to obtain a mortgage. I have advised this company numerous of times that this is not my debt. They have failed to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly 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 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC
State: GA

Complaint narrative:
I called the debt collector several times to have my case disputed and she has refused to do so. She told me that I need to contact to agency that I owe. She hangs up on me instead of giving me info on my case.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On    XXXX   XXXX   XXXX   I went online to the my Syncrhony website to make a payment. Upon submitting the payment the website provided an error and the payment did not go through. I then had to close the website completely go to another pc as the website would not work and submit the payment. I received a confirmation the payment went through. Today i received a call that my payment did not go through was late and needed to be made. When i asked if i was reported late the person said i do n't know. I told then this was not acceptable as i made the payment. The person said i do n't know if your credit will be affected. this is not acceptable i made the payment. I then asked to speak to a manager who says she will  waive the late payment charge when i ask about my credit she says you did not login on line on the  XXXX  you tried to reset the pw only. I assure you not only did i login i received an error, went to another pc in my home, reset the pw and made the payment. She says she will open the investigation but no one will tell me if my credit is affected. This is not acceptable. Further, we have another synchrony account and when we tried to login to make the payment today it says the website is down so clearly the website does not work. Something is wrong on their side and they claim i did not make the payment. I have not missed a single payment on either account yet they want to damage the account standing. this is not acceptable. I want resolution. When they said they would open a ticket she said may be 3-5 days but no guarantee it will be that would be longer. This is not acceptable. Please correct

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 2017-04-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: WI

Complaint narrative:
My name is   XXXX   XXXX   and  All this st arted with the nationwide cre dit Inc. I owe  them a total of {$110.00} a month I called on the third and told them that it was going to come back as insufficient funds because I did n't have it this month I Live off my  XXXX  well they did n't inform me that if it was insufficient funds they were going to try again the same month and the first attempts to collect the debt my bank told me that because it was insufficient funds they would take {$30.00} out As a fee what on the seventh they took it out again an d 30 more  dollars was taken out and now I 'm overdrawn {$110.00} because things that should 've gone through could n't go through because they tried to collect second time I called them and explained this to them after I realize the se cond 30 was ta ken out because they could n't get their money and they were quite rude and told me that it was my banks fault I could n't get my money back and that it 's common knowledge that they tak e it out two time s which they never told me that so now they 're making it sound like they do n't want to give me the money they owe me I 've called several times now and every time I talk to somebody at the nationwide credit I get a different answer and they keep telling me that we ca n't give you a timeframe as to when this all be resolved we have no idea it 's just been a lot of headache and they should 've just warned me when I started up the debt collections the first time hey if you do n't have it we 're gon na try again and they never mentioned that they only mentioned it after I said to them how come you took it out a second time this month then they were like oh yeah about that you should just know tha t debt collectors  are going to take it out twice which I was told by another debt collector is n't true he said once it goes insufficient they should 've had the courtesy to call me and tell me hey I did n't get your money and set something else up not just try again which is what I got but they 're pretty rude over at that nationwide credit I really am not thrilled with the service I am getting at all I just want this to be resolved because I was {$110.00} overdrawn and I ca n't afford it and it 's just frustrating that they do n't want to even take the time t o fix it.  XXXX  (  XXXX  )  XXXX  That 's their office number if you want to get a hold of them good luck  I hope this  can be resolved because this is very very frustrating signed a very frustrated  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 2017-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: MI

Complaint narrative:
My mortgage on my renal property was sold  by one com pany to another in   XXXX   XXXX   XXXX     and I was under the impression that I needed to mak e two mortgag e payments to the new lender in  XXXX , as they were taking over the loan as of  X/X/16   . Because of the mix-up on my part, I missed my last payment  (   XXXX   XXXX   ) with  the previous lender and they reported me to the credit bureaus as being 30 days late. As soon as I realized my mix-up, I m ade two payments i n   XXXX   to the new lender to bring the loan current.     I had never been late with my previous lender, so I called and asked them to do a goodwill adjustment to remove the 30 day late because it is impacting my ability to refinance my current home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I received a late fee from a credit card company without realizing it. I called to take care of the fee, as that was all that was remaining of my outstanding balance. By the time I called to pay the fee, the company had already accrued more fees for nonpayment of my balance, which, again, was only the late fee. The person I spoke with was very nice and said that she would remove the other fees on my account if I paid the original fee that day over the phone. I did just that. This week I received a phone call indicating I now had a balance on this card of over {$70.00} - all fees as I had not made any purchases since my call to pay my fee. It appears the person I spoke to did not clear my fees as she had told me, and the company gave me additional fees. I have tried to explain this to the company, but with no luck, and I ended up just paying additional fees. I believe the practice of charging fees upon a balance that is only made up of fees is unfair and not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Have received my free Experian Credit Report which I ordered through Free   XXXX   XXXX   XXXX  . The report number is :  XXXX . The company Experian denying me access to file a dispute online to incorrect i nformation on my credit report. I input of all of the correct information including Name, Social, Current Address,  Previous, Employee, and everything is correct but they still denied me access to file a online dispute. When they had me go through the identity verification process I answered all questions correctly. They questions ask me did I have mortgage opened in  XXXX  I answered " No '' because I did n't open a mortgage in  XXXX  nor have I ever to a mortgage for a loan on a house. They also asked what company did I take out auto loan with in  XXXX  I answered " None '' because I did not take out a auto loan in  XXXX . They asked what was the monthly payments I answered " None '' because I did not take out a auto loan in  XXXX  nor do I still have  one on  my credit. Experian is denying my access to file a online dispute for incorrect information on my credit even though I answered all verification questions correctly. It is unscrupulous and unethical for Experian to deny me access to file a online dispute when I put in all of my information correct, I am signed up for the Experian application which full access to my credit report every month, and I even have the actual credit report number that I am trying to file a dispute with but they are still denying me access.

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 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Disputed the information being reported is wrong and should be deleted immediately as it is not proper correction information

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 2017-04-20 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the same accounts with Experian numerous times beginning in  XXXX  only for them to claim they verified the information as being correct. I 've asked them for the method of verification and received a letter dated  XXXX   XXXX ,  XXXX  that unless I provide them with " additional '' relevant information they would NOT  re  investigate my claims. They NEVER provided me with the method of verification but just arbitrarily dismissed my dispute.

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 2017-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Special Financing Company, LLC
State: OK

Complaint narrative:
took out a personal loan with this business in   XXXX   XXXX  , have only received a few monthly statements in the past year. I have had to call and request a few of them. On   XXXX   XXXX   XXXX   the business informed me that because  XXXX  of my statements was returned that their system would no longer issue monthly statements again, that I could call and request them. I said that the duty is not on me as the debtor to request my statements and asked for a supervisor but was told that she was out. On   XXXX   XXXX   XXXX   I spoke to a company supervisor and advised that this was not acceptable and demanded to receive monthly statements on my account. She said she would arrange for their  XXXX  employee to " fix '' the problem in their system so that I would receive monthly statements. I asked when I should expect the next statement, she advised me that it would generate after   XXXX   XXXX   and that I would receive it by mail shortly thereafter. On   XXXX   XXXX  , I still did not not received a statement, so I called customer service. The representative said that I can not get monthly statements because I have had mail returned. I explained to her that is an issue that the  manager said that she was going to solve and the representative said that it had not been solved yet and that the manager was not available. On the original loan contract it states that they " the creditor '' will mail monthly billing statements of all charges on my account unless prohibited by fe deral law. The creditor is breaching the contract by not mailing monthly statements to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On   XXXX   XXXX   XXXX   I ,  XXXX   XXXX , purchased the property known as  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  from my uncle,  XXXX   XXXX  in which a mortgage granted to Ba nk of America  was satisfied but the satisfaction recorded in  the county cl erk 's office was incorrect.    XXXX   XXXX  granted a mortgage to Bank  of America on   XXXX   XXXX   XXXX   in the  amount of {$160000.00}. This mortgage was consolidated with another mortgage granted to Bank  of America on   XXXX   XXXX   XXXX   in the amount of {$6100.00}. On   XXXX   XXXX   XXXX   the cons olidated mortgage was paid off but Bank   of America filed a satisfaction for the {$6100.00} mortgage only.
On   XXXX   XXXX   XXXX   a request for a lien release was faxed to Bank of America togeth  er with the title report,  Request  ID # :  XXXX . Bank  of America was inf ormed that I am selling the house on    XXXX   XXXX   XXXX   and title needed to be clear a least a week before the closing. Bank of America has stated that the lien release department has picked up the request on   XXXX   XXXX   XXXX   and are   working on it. Since a new ID number from the lien release department has not been generated, the request is NOT being worked on. It is imperial that I close on    XXXX   XXXX   XXXX   and I do not have the luxury of waiting for Bank of America to file a satisfaction that was to have  been done correctly in  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 non-monetary relief
Consumer complaint received 2017-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My husband and I started out with a home mortgage with   XXXX   XXXX   in  XXXX , then it was sold to  XXXX , then to   XXXX   XXXX   XXXX  , In   XXXX   XXXX   we got a letter telling us we should send our payments t o OCWEN Loan S ervicing, and we can not send enough money to these people. They are very unprofessional and have ripped us off so many time we have lost thousands of dollars just to stay in our home.We can no longer substain, this as we both are retired, and living on a fixed income.   XXXX   XXXX  , they sent my check back saying not enough funds.We have tried to refinance and they block us every way we go, so please help us or give us some advice as what can be done with our circumstances. Thank You!

Company response to consumer: Closed with explanation