vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi! 

I applied for a new apartment building in XXXX, MD. They told me my application was denied due to something in XX/XX/2013. I ran a credit report that stated I have no " No fraud indicator on file XXXX Records Found '' However, this is the message I received from the landlord. I would like to be provided with additional information from XX/XX/2013 on what is showing on my account? I have never been denied in my life? 

-XXXX Hello XXXX , I am sorry that it has taken me so ling to get back with you. I have been working on the outcome of your application. 
Everything was good except the credit Reports. It has something on it from XX/XX/2013, I don't know if you can reach out to the Credit Company Equifax XXXX to get this removed off your report. 
Please let me know your thoughts on this and let me know what you would like to do. 
I am sorry that I have to request that you try to get this taken off your report so that we can re-run your credit report. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: Synovus Bank
State: MI

Complaint narrative:
Company is fraudulently adding new remarks of false information onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX I opened a checking account at Fifth Third Bank based on an advertised promotion. On XX/XX/XXXX I met the first requirement for the promotion and from XX/XX/XXXX through XX/XX/XXXX I met the second requirement and the bank is refusing to honor the promotion. I have statements from XX/XX/XXXX through XX/XX/XXXX which show the minimum balance requirement was met for at least 60 or more days. The bank dealt with me in a deceptive and fraudulent manner by refusing to pay the promotional fee after I met the requirements. After claiming I had not yet met the minimum balance requirement as of XX/XX/XXXX ( even though I have statements showing I did meet the minimum balance ), I prolonged the life of the account to meet the requirement resulting in the bank charging me more in service charges. The wording in the banks promotional offer " minimum balance '' does not specify average or monthly. The wording does not specify when the 60 days commence or terminate. This allows the bank to interpret things after the fact to the banks advantage and is deceptive and fraudulent of the consumer. Numerous attempts to resolve this with bank personnel led to unprofessional and insulting behavior toward me and an intransigence to seeing things from the customers viewpoint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I recently filed a complaint about this under complaint # XXXX. Ditech responded but gave you false calculations and you closed the case. 

I responded to their response. 

According to DiTech they paid taxes in the amount of {$1500.00}, {$1400.00}, {$1400.00} and {$1600.00}. The tax Bill shows {$6100.00} that would only be a shortage of {$94.00}. No dates of payment do not appear on my copy. 

Ditech paid homeowners in the amount of {$1000.00} The Premium is {$920.00} A difference of {$140.00} {$6100.00} + {$930.00} = {$7100.00}. DiTech shows a beginning balance of escrow as {$9400.00}. That is an overage in escrow of {$2300.00} in my favor. 

How is it possible that my payment went from {$1000.00} to {$1200.00}? 

Please also note records from a conversation with XXXX of DiTech who admits a mistake on Ditech 's part. If you look at the picture I sent you of DiTech 's Escrow eval you will see that added an extra tax payment of $ {$1600.00} ( E ). XXXX said that was a mistake right there among others. That there was an overpayment in Escrow and she couldn't fix it so she had to escalate it to the escrow analysis dept. Not only was there no response to the escalation, but fees are accruing and my credit is being damaged. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Over the past year Ive been struggling to make payments of XXXX per month. They keep making me do a forbearance and only offer me intrest only payments which are just a few dollars less than the actual payment. Then they told me I will no longer be able to be in deferment while in school come XX/XX/2018. So regardless of if I am in school I still have to pay this plus what I am paying the school I am attending. In addition, they keep increasing my interest rate!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a Home Equity Line of Credit XX/XX/XXXX. My home has been paid off since XX/XX/XXXX, My credit score is XXXX. I have been told by Bank America that there is a Lien on my property that's been there since XX/XX/XXXX. I initially had a 30 year FHA Loan thru XXXX XXXX   that was purchased by XXXX XXXX XXXX, that was later purchased by XXXX XXXX. On XX/XX/XXXX I refinanced my mortgage for 15 years with XXXX XXXX who paid-off my 1st 30 year FHA mortgage ( XXXX XXXX became Bank America ). On XX/XX/XXXX I paid off my mortgage with BankAmerica. I have since had a {$70000.00}, Home Equity Loan with BankAmerica paid-off, and a car loan paid-off Both XXXX XXXX XXXX  and Bank America have been negligent In the procedure they used in handling clearing out that old {$51000.00}. I never received paperwork from Bank America when they paid XXXX XXXX off, nor did I get paperwork from XXXX XXXX showing the mortgage was paid. 
In the Superior Court of XXXX County on Book # 1240, Page # 25 is  the amount {$51000.00}. Both banks have been paid. PEASE HELP 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 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: NC

Complaint narrative:
I have recently contacted XXXX XXXX  regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: NC

Complaint narrative:
I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I have multiple accounts showing up from XXXX XXXX XXXX XXXX. I have disputed them and had them removed from my reports in the past but they have been transferred to another lender and reported again. They are not my accounts. I do not owe them money. They will not remove these fraudulent accounts from my report. I have disputed with the credit bureaus and the company itself. It is really making me angry. They have been calling my phone and harassing me about accounts that are not even mine. I can not take this anymore. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery uses different phone numbers to call me. I don't have any collections. 
I told them months ago to stop calling me, that I don't have any collections and they continue to call almost every day. They have used 37 different telephone numbers to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
American Express won't let me use my points " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' No one can tell me when me and my partner will be able to redeem the points. Given various reasons for the hold. We made a complaint and still haven't heard anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: TX

Complaint narrative:
I paid the balance $ XXXX.then I received a statement with late charge and other fees. ( money was withdrawn on XX/XX/18. I was told if I pay one time late fee they waive other charges which I did. Now they want to pay another late fee to waive other charges. I don't trust them anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14 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: AR

Complaint narrative:
XXXX I enrolled in XXXX XXXX part time. My XXXX XXXX sent my loan provider ( XXXX ) my letter stating my enrollment. XXXX XXXX XXXX  starts in XXXX. So I called asking to take my direct debit off my account. The agent I talked to suspended it instead. I still had payments coming out. I called about this, I was told they were resubmitting the documents. XX/XX/XXXX comes and I talked to XXXX ( XXXX ) and I was told I was denied half time but don't worry about it, she was resubmitting the request and I have 90 days to make my payment.I call back XX/XX/XXXX. XXXX ( XXXX ) puts in a request for deferment for direct debit to be taken off and the call was dropped. I called back and spoke with XXXX ( XXXX ) who told me I was taking 6 hours which is not part time so I was not eligible for school deferment and that was why my letter was rejected. I was told to log in to the web and re-certify based on my income right now ( which I am currently unemployed ). I called my school and was told XXXX taking 6 hours are considered 1/2 time and I was given wrong information. I called back XX/XX/XXXX and talked to XXXX ( XXXX ) and was told I signed a waiver when I worked for the XXXX XXXX XXXX XXXX and that is why my school loan forgiveness is not attaching to my account. I was told I needed to sign a form to remove the waiver from my account and he was mailing it out to me. I called today XX/XX/XXXX as I still had not gotten the waiver. I talked to XXXX XXXX who transferred me to XXXX ( XXXX ) who was very rude and condescending and let me know that no one had misinformed me of anything on my account. He continued to interrupt me when I tried to explain to him what XXXX told me was wrong ( that I WAS eligible for deferment ) and that EVERY agent missed the waiver.. he was just so rude to the point I screamed at him and hung up. I plan on looking for a new student loan service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: VA

Complaint narrative:
Dear Sir/Madam : I have attached an Equifax report where Equifax has 2 Hard Inquiries from XXXX XXXX XXXX  showing negatively on my credit history. I have been issued a Credit Card by XXXX XXXX XXXX by my Hard Inquiry [ Item no. 1 ] in XX/XX/XXXX, while other two records of XX/XX/XXXX & XX/XX/XXXX are  showing wrongfully and were Not done by me at all. 

XXXX XXXX XXXX has cleared those two information from their record upon making a phone call to them. Equifax resented to clear them off of my credit record despite my request and also calling several times. Equifax employees were been rude and didn't help to escalate this to proper authority to review this. This is an usual practice by Equifax. They have call centers offshored to other countries and always act arbitrarily without checking with proper protocol or decline even to help settle wrong information containing in credit history for remediation. 

1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks 2.XXXX  XXXX XXXX   XXXX Inquiry from XX/XX/XXXX All Banks 3.XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX At this point I observed Equifax is practicing extreme unfair and also retaining some records that are inaccurate and past the statutory of time record retention guidelines for credit reporting or for proper reflection of some one 's credit report. 

They are always holding wrong address, outdated and information that shouldn't have been in the credit record. Their dispute department do not cooperate to take requests as well. 

I have observed news in Social Media and News of their data breach and other wrongful practice on credit record retention policy from FCRA and other regulatory agencies. 

Please review and reply your course of action toward Equifax malpracticing of credit record publishing to inquiries. 

Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
Our home loan was sold by XXXX XXXX XXXX to Rushmore Loan Management Services in XX/XX/XXXX. Taxes and Homeowners insurance were both escrowed by XXXX XXXX and Rushmore continued to escrow both. Our annual homeowners insurance was due the latter part of XXXX. I contacted Rushmore the beginning of XXXX to see if they had received the bill. They informed me that they had reviewed the Master Policy for our condo association and deemed it unnecessary to escrow our insurance. I was instructed to pay the annual premium that was coming due. A copy of the paid in full policy was sent to Rushmore. Since that time I have contacted Rushmore numerous times to be refunded the monies they were holding in escrow for insurance and to have our monthly premium changed so that it did not include homeowners ' insurance. I am not quite sure if they are just incompetent or if it is a way of keeping and using our money as long as they can, but as of today they are holding all of our insurance monies in escrow and our monthly mortgage payment still includes an amount for the homeowners insurance. I would appreciate any help you can provide regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a promotional credit card offer in the mail in early XXXX from fifth 3rd Bank. It had {$150.00} bonus after you spend {$500.00} in the first 90 days. I did what I was supposed to do and did not receive my bonus. I called them a week ago today ( XX/XX/XXXX ). They said they would get back to me in 72 hours and still have not called. I tried calling them again today ( XX/XX/XXXX ). I got put on the phone with 3 different people before they put me on hold and eventually disconnected me. They act like they have never heard of any promotion. This is false advertising. I am owed {$150.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo failed to produce the XX/XX/XXXX DENIAL LETTER for a re-finance application. 

On XX/XX/XXXX, Wells Fargo mailed me an incomplete submittal of information that explained how they dealt with an improper HOA lien filed against my property yet failed to inform as to why my application was denied. Resolution on account number : XXXX, VA home loan. 

Today, XX/XX/XXXX, the Wells Fargo loan servicing department admitted this submittal did not contain the denial letter yet continued to declare it was " lost '' and was no where to be found. It can not be retrieved and WF is unwilling to replicate this denial letter. 

Former Wells Fargo loan officer that handled this transaction was XXXX XXXX, Vice President I Loan Officer NMLS # XXXX Office ( XXXX ) XXXX Cell ( XXXX ) XXXX | F : ( XXXX ) XXXX | XXXX XXXX I authorized communications for my attorney to be included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Ph : XXXX Fax : XXXX Email : XXXX Web : XXXX Disclaimer This e-mail is intended to constitute an electronic communication within the meaning of the Electronic Communications Act, 18 U.S.C. 2510. This communication may contain confidential, proprietary, or legally privileged information and is transmitted for the sole viewing and use of the intended recipient. Any review or distribution to other recipients is not permitted and does not waive the confidential or privileged nature of the communication. If you receive this message in error, please immediately delete it and notify the sender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have a credit card with Capital One. The interest on purchases is 21.4 % and the interest on cash advances is 26.4 %. My balance on the account for my XXXX states is {$2700.00}. The overall credit limit on the account is {$3000.00}. I have a cash advance credit line of {$1500.00} but some how the cash advance balance is {$2600.00}. I haven't gotten a cash advance in almost two years. To my recollection, I have never missed a payment. I spent almost two hours talking with two different representatives trying to ascertain ( 1 ) how my cash advance balance is almost {$1000.00} over the limit ( 2 ) why the {$26000.00} does not appear to have gone down in the almost two years since I have took out the last cash advance, and ( 3 ) how the the cash advance balance get to be such a high balance in relation to the overall line of credit. Neither representative could explain any of my questions. They tried to say that the reason for the balance is because of the interest that accrues on the account every month. However, the interest that is charged on the account can't be more than the minimum payment or the account will never be paid off. Example ... my XXXX statement says the minimum payment is {$87.00} of which {$58.00} was interest charged for the cash advance and {$2.00} was interest for purchases. I made a {$100.00} payment. There is not logical way that the cash balance should go up, even if I pay the minimum payment it still should not accrue a {$1000.00} of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Premier Holdings
State: CA

Complaint narrative:
This Company premier holding address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX and phone # XXXX. 
I had a person call me by the name of XXXX XXXX claiming that she was from Premier Holding and that I owed {$2400.00} for a credit card that I opened. XXXX told me that I was responsible for the amount because It was opened with my SS # and my name. I told her that I never open any account. and she stated that they would settle for the amount of {$780.00}. in 2 payments. so it sound to me that it was a joke. XXXX said that they would come after my property and my car. so I got some what scared. XXXX asked me to give her my Bank acct. # and I did but called the bank after that call and to put a stop to any withdraw from my bank with that that company name.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation