vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EQUIFAX has deleted a negative payment history twice and '' re-inserted twice '' on  XXXX   XXXX   XXXX   XXXX  SOLUTION WOULD BE TO DELETE THE ENTIRE ACCOUNT AS   XXXX   AND  XXXX  HAV E DONE.I never received any notice of re-insertion as the law proscribes.I have attached a secondary sou rce report of  XXXX  The last  time I sent this to equifax they removed the payment history in 3 days.It is getting tiresome to dispute this account over and over with Equifax.Please delete the account so the negative does n't reappear.RE-INSERTION without notice violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Webcollex, LLC
State: AZ

Complaint narrative:
XXXX / XXXX /  XXXX  , {$1200.00}, mailed certified debt verification letter to collection company, no response as of yet. Collection company is not licensed to collect in the state of Arizona.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: OR

Complaint narrative:
I paid my debt to  AFNI  in full but it still shows on my credit report that the status is " collection/charge off ''. It was not charged off as I paid in full and it has n't been in collection since  2013

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
Previously, I had contacted CFPB with regards to the issues I was having with making mortgage payments to  Freedom Mortg age using their online payment website. Following this, someone not sure who - from freedom Mortgage Customer Service contacted me and said that he was a supervisor. No name or contact info was given to me but he claimed that he would make the necessary adjustments to resolve the overstated charges which would be credited to the principal amount which would be reflected the following month, whioch would be  XXXX   XXXX . At first I saw the amount due for  XXXX   XXXX  would be the usual {$610.00}, but then, somewhere during the interim prior to  XXXX   XXXX , I saw the amount due was changed to {$660.00}. The problem with this online payment site is that  one is not given the option to pay a specific amount according to its category. There 's NO individual listing for principal, interest or escrow. There is just ONE total amount to be paid and that 's whatever Freedom  chooses to put as THAT payment amount. My last payment was an exorbitant {$700.00} or more over the true amount that was actually due and that was supposed to have been credited back to me. Instead,  Freedom has increased the monthly amount due which well may be added unnecessary late charges & fees which they  choose to add on themselves and which there 's NO way of making payment for the actual amount due. Once again, I have been repeatedly calling and emailing and NO response. I have been in the hospital again because of all this and have proof of my constant   XXXX    XXXX   XXXX  caused by the stress  Freedom  Mortgage continues to be responsible for. I am seriously planning to file a civil law suit against this company for   XXXX   XXXX   XXXX   resulting in serious medical issues.  XXXX   XXXX  seems to be  XXXX  again & all I get are solicitation calls about refinancing. THIS is a VA ARM Loan and there has been NO change in taxes or home insurance so there is should be no change in Escrow. Last year,  XXXX , the monthly mortgage payment increased by about {$11.00} due to the change in interest rate, however, that increase from {$600.00} to {$610.00} remains in effect until  XXXX   XXXX , so why is their monthly charge {$660.00}. I am NOT falling prey to THIS SCAM company nor will I allow myself to be manipulated or intimidated in any way by their online payment site which is a BIG Scam. Read ALL the reviews on this yourself. I did call and and asked to speak with someone in the  Accounting/.Finance Dept.  and the person on the other end gave me a blatant NO. I even emailed  XXXX   XXXX  expressing my intent to go into their office in   XXXX   XXXX   NJ to get this all straightened out, yet, NO response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
RASH CURTIS AND ASSOCIATES is attempting to collect a debt from me that I have no awareness, via threatening to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I purchased a carseat last  XXXX  at a Target store using my Redcard ( Target credit card ) for $  XXXX  did not get any statement in my mail box for a month then request to get it through email because i did not want to miss my payment date since i was going to travel abroad.Finally i called to make payment on  XXXX / XXXX / 2017  and told the customer representative that i could not pay online.Payment of the balance   XXXX   XXXX  was processed with no late fees since the due date was  XXXX  2017.I  was shocked to get an email in  XXXX  after 2 months stating that i have a balance of   XXXX   XXXX   I  thought it was a victim of fraud then i called the customer service and find out it was late  fees.The lady  i talked to did not listen to  me.She  told me to pay.I insisted it is an error that i was not notified to pay late fees which i would have payed and asked to close the account. I got another email a couple weeks ago with a balance of   XXXX   XXXX   I  decided to call again last monday to ask what is going on and the representative transferred me to her supervisor.I explained the situation that i called in  XXXX  when i got the email and he told me it is too late to wave the fees.Today balance is    XXXX   XXXX  .You c an check my credit history, i have discipline in my expenses and payments.   Please help me with that issue.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a positive balance of  XXXX  cents on my Citi card  XXXX    XXXX  .  Three months later, Citi took  that away and shows a record on my statement : " BALANCE REMOVED DUE TO INACTIVITY ''.     I was very surprised to see this record so I called customer service and was told that it is what the record said.  Citi too k that  XXXX  cents away if I do n't use my card for three months.     What kind of policy is this? Should I have been informed of such forfeit and given choices before they actually took this positive balance?

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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: On-Site Manager, Inc.
State: CA

Complaint narrative:
I became aware of  XXXX  credit accounts and the  XXXX  collection accounts associated with the original credit accounts in  XXXX    XXXX   when  On-Site.com ran a tenant screening on me. The accounts are the result of i dentity theft. I have filed a report with the Federal Trade Commission and my local police. I disputed the accounts with On-Site and supplied them with the reports from the FTC and the police.    On-Site r efuses to block or remove the fraudulent accounts. Additionally, they have not provided me with any proof of investigation into the matter on their end.  On-Site  continues to report inaccurate information. The accounts in question are   XXXX   XXXX   XXXX  ,  XXXX ,  XXXX ,  XXXX , and  XXXX . The collection accounts associated with the accounts are  XXXX   XXXX  x  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX . These accounts are all the result of identity theft.   I have submitted disputes for all the accounts with On-Site o n 3  separate occasions. On-site has done nothing other than add my statement to their report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Performance Settlement, LLC
State: TX

Complaint narrative:
I was approached via cellphone from a company named  XXXX . This company promises to wipe out my {$16000.00} Federal school loan. This transaction was done all online with me first writing them a letter. This letter stated that I had  XXXX  income and was approved by the program because of my unemployment status. I was also asked for my income tax forms with social security and drivers license number which I provided the company. I was also told I was approved to pay  XXXX  dollars for 18 months, and that I also qualified to pay {$50.00} for 36 months. That after fulfilling this obligation I will owe  XXXX  dollars on my  Federal School Loans . But first I must sign a contract to pay {$1400.00} over the course of 18 months or 36 months. I became suspicious when  XXXX  told me I did n't have to do anything that they would contact the Department of Education and my creditor  XXXX  sending them a forbearance for my loan. And I wouldnt be responsible for any payment until  XXXX . Then I was asked to sign this contract for {$1400.00} which was the cost of my 36 month obligation of 36 month which is actually  XXXX  dollars and not  XXXX  dollars. I think this company was trying to qualifiy me and get me to sign as soon as possible. Is this company legitimating helping people this way with their student loans. Or is this just another way to lock me in a contract with them and other companies I know nothing about to defraud me of {$1400.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TX

Complaint narrative:
There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: TX

Complaint narrative:
There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/ OAG CHILD SU - Account #  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 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have found wrong information reported on my report : "   XXXX   XXXX   XXXX   - -  XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update

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 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC
State: TX

Complaint narrative:
Recovery  one  LLC collection agency is not bonded in the state of Texas. Recovery  one LLC c a n't legally collect any debt. Please remove from my credit report and confirm the debt is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
1. Property Address :   XXXX   XXXX   XXXX     XXXX   XXXX  , NC  XXXX  : See Attachment A : Repeated Demand MANDATORY QWR response.
Pursuant to : 1. a : RESPA, 12 U.S.C. 2605 ( e ) ( 1 ) ( B ), b : TILA 15 USC 1641 ( f ) ( 2 ). c : TILA 15 USC 1641 ( g ) ( 1 ) a-e d : Saving Homes Act   XXXX   https :   XXXX   2. All Insurance policies associated with the subject mortgage and any TRUSTS, including but not limited to REMIC Trusts.
3. ID Theft notifications.
4. Explanation for perjury, fraud and fraud upon the court in case #   XXXX   Inre :  XXXX , SEC.gov and   XXXX   XXXX  ,   XXXX   XXXX  , clerk files and land records. see attachments a : POC b.Disputed/Denied Debt.
5. Explanation for contract failure ( s ).
6. Identify ALL Owners/Lenders/Trustees/Services and dates acquired.
7. Copies ( front & back of document ) a : Mortgage Note. b : Deed of Trust.
8. Copies of Form 1003, 1007 and Appraisal.
9. Copies of ALL BPO, Appraisals and valuations  XXXX  purported origination until   XXXX   XXXX   XXXX  .
10. An accurate accounting of all debits and credits applied to the purported mortgage transactions from origination until   XXXX   XXXX   XXXX  .
11.   XXXX   XXXX   is preparing litigation however the   XXXX   XXXX   XXXX  , Bank of America and misc servicers are refusing to identify MANDATORY information in order to allow ALL defendants to be litigated while attempting to notify VICTIMS of the bond certificate scam.

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 2017-05-11 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: SC

Complaint narrative:
Between  XXXX   XXXX  and  XXXX  this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: NC

Complaint narrative:
On  XXXX   XXXX   2017 ,  Checkr reported to  XXXX  about my background check. This included  XXXX  violations which was dismissed by a Judge last  year in  XXXX  NC. I sent emails to Checkr and  XXXX  explaining the incomplete report but in vain. NC state uses point system to convict offenders and I have  XXXX  points on my driver license. Please help to fix this confusion because I 'm a  XXXX   XXXX  and driving  XXXX  helps to support my family financial needs. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I have already tried to get my money back from XXXX XXXX but have not gotten any as of yet. My real complaint is against Nationstar Mortgage. They are not really trying to work with me on my mortgage modification. They are using things I do not understand to turn me down and when they do send me a modification it is less than 50 dollars from what I am paying now. I have filled out several modifications and none have been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On   XXXX     I had a balance of  XXXX  on my Comenity Bank  Credit  account  (    XXXX   XXXX   XXXX    ). I paid off my account balance in full that day. Not my statement balance, my account balance. My account balance was  XXXX  on  XXXX / XXXX /  XXXX  . On  XXXX / XXXX /  XXXX   I received a statement saying they went back to the  XXXX  and assessed a late fee and have charged me 28 % interest for that fee even though I had a   XXXX    balance on  XX/XX/XXXX   . So I 'm being retroactively charged late fees, and being charged a month 's interest on that fee in under a week when the account should be closed. Had there been a late fee on the  XXXX , it should have been in my account balance on the  XXXX .     I do not believe this to be just. They 're trying to rip me off on my way out the door hoping I would rack up more interest and fees thinking I was done with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: GA

Complaint narrative:
I am on a  Rate Reduction Plan for my private loans through Navient. I have done everything I can to make payments ( why I got on the Rate Reduction  Plan ). I called them and we ( me and a Navient rep ) set up the plan. They were to deduct so much money on a certain day of the month. I continue to get phone calls every day because they are not pay attention to the account. I DO NOT owe any more money than what is being deducted from my accoun t 1 ti me a month. They have called me so far in the last 2 days upward of 7 times a day. I am not behind on my payments, it was taking out on the  XXXX , which is the date I wanted them taken out. This is not my fault they can not communicate between each other. I did my due diligence and called and was put on the program. This is harassment and has to STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
I am trying to improve my credit. There is a duplicate collection account that I have been trying to get removed from my credit reported. The collection agency keeps telling me they are reporting it as closed, but it keeps showing on my credit report as an open collection, but it should be closed and showing as paid or settled. I have contact  XXXX  - they say I will know something in 30 days. I have contacted  XXXX  they also said  30-45 days b efore investigation complete. But,  XXXX  sent me an email stating that this information is correct and the collection will remain open, this is not correct I have paid this and it should be showing as paid/settled on my credit report. Can you please help me get this resolved, I am trying to purchase a home and this is keeping m   y credit score down. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a letter from you about me enrolling in the credit protector and you charged me a monthly fee, I never enrolled in this program so I am following instructions on the letter and filing a complaint to get this money refunded to me. my ref # is  XXXX  NAME,  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 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was offered a  three mont h trial payment plan with bank of America. I made  all three pay ments on time per the agreement. Now bank of America has sent a letter stating that the loan modification has been denied because they can not verify my identity.??? I have to verify my identity each time I call them and I 've sent my identity information with all of the loan modification documents.     I 've owned my home since  XXXX     1999.

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