vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 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: OH

Complaint narrative:
I called Equifax on  XXXX / XXXX /   17  referencing confirmation #  XXXX  in regards to an item in dispute they stated was verified as being mine, however they failed to give me a description of how the reinvestigation was conduct ed ( wh ich they say they will do on the result documents ) I spoke with  XXXX  in the Office of Consumer Affairs and he could not give me a description of how the item was verified as being mine or how the reinvestigation was conducted. I also wrote a letter to the company asking for this information twice and both times I received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has reported on my credit report for  XXXX  that I had  XXXX  payment s 30 or more days past due this information was and is incorrect i have sent numerous   letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the bank of america numerous document showing past mistake of my payment that were misapplied b y thier associates yet they still will not correct my credit report the bank of america has the wrong infor mation on my payment, balance last payments amount made & ect i  have recently sent them a letter  ( This is the exact letter ) a nd other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting Bank Of America  Address    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blan k ) &  Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accoun t s after d ue date. I ( Blan k ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made (   XXXX   XXXX   XXXX   XXXX   ect. ) Pleas e Mail this information ASAP

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 2017-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I recently viewed my credit file and saw that XXXX department store was placed on my credit file, in the amount of {$220.00}, with a stated date the account was opened as XXXX/XXXX/XXXX. I personally do not have a charge account or card with XXXX, however, my dad has a XXXX charge account. I reviewed my credit report and the entry stated that I was added as an " authorized user '', I never gave the authorization to be added to any one 's account, so I figured there was some sort of mix-up, so I asked my dad if he, in fact, added me to his XXXX charge account. My dad stated he may have added me, but could not recall whether or not he did, or did n't.
<P/>
All I know is and am concerned about is the fact I never gave authorization, or consent to be place as an authorized user on any account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have received a letter for a debt that is not mine from a collection agency I have NO CONTRACT with.     This collection agency has stated that I owe them {$2400.00} and is continuing to ruin my credit file.     They have sent paperwork for a loan that claims I took out a loan for {$1800.00}. This is n't even the same amount they are telling me to pay them.     I have taken out previous loans with the original creditor and paid them all off on time.   I believe they have pulled something that appears to be a signature of mine from past accounts.     I do not know who " Clark County Collection '' is, nor do I have any type of contract with them that I am obligated to pay them or owe them money.     They claim to have sent me a letter in  2013  that I NEVER received or I would have fought this back then!     This needs to be removed from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
Ditech performed an inaccurate Escrow analysis on my home and has increased my mortgage amount over the past two year s.      XXXX   County refunded Ditech {$2100.00} that was the amount of the over payment and the company has still not d isbursed my funds.     They also are not processing my mortgage payments because my payment amount is not the same as their overestimated mortgage amount that they have just increased on my end.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES
State: UT

Complaint narrative:
I have sent the application to apply f or Income Based Repayment 5 times. Every time I wait a few days and call to check if they have it ( when it w as mailed - I waited a week ).     I faxed a paper copy  XXXX   XXXX  to  XXXX . I called on  XXXX   XXXX  - they said they had no record of my fax and to try the online application.     I submitted my online application on  XXXX   XXXX  at studentloans.gov. I called  XXXX   XXXX  and they told me they could not see any record of me accessing the site - they asked me to mail it.     I mailed a copy on  XXXX   XXXX  priority mail. I messaged them on  XXXX   XXXX  and they again told me they had no records.     I finally emailed them a copy of the application this morning and got a response telling me that they finally can confirm I accessed studentloans.gov but that I had not submitted the supporting documentation ( which was included in the email ).     I have now sent another email with the PDF application and supporting documentation but my deferment period is ending  XXXX   XXXX    XXXX  .     I need someone to help me make my servicer process my application and documentation that I have submitted multiple times through the last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC
State: TN

Complaint narrative:
Received call from "   XXXX   XXXX   '' claiming I owe a debt to some payday loan company. I do NOT. I owe ANY payday loans.
<P/>
They threatened to take " legal action '' if I did n't call. I did to listen to their lies -and they claimed a payday loan company named "   XXXX   XXXX   '' was their client.
<P/>
ALL completely fake and a complete scam. While they did have my 1st and last name and my last 4 digits of my SS # - they clearly bought this information and are attempting to strong arm me into paying a ransom. Illegal under Federal and State criminal laws.
<P/>
The BBB has them marked an F and a known scam in NY -- >   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    I demand they stop contacting me and purge all information they have in their system on me purged - immediately.  <P/>
This company must be shut down immediately to prevent further ID theft of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have notif ies Eqifax on multiple oc casions that my report does not reflect any of my credit accounts, they dont give any information on the phone and keep directing me to the creditors who say they are reporting. My accounts shows up on other repoting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ocwen Financial Corporation
State: KS

Complaint narrative:
I have a mortgage w ith Ocwen. T o begin with, they appraised my house about {$30000.00} more than it is appraised at today. In  XXXX , I have a balloon payment of {$50000.00} which I do not have. I am trying to refinance with another lender. For a VHA loan, the appraisal and credit are fine but they discovered that my house could possibly be less than  300  feet from a gas station across  XXXX  he street from my home. I am currently in the process of having this surveyed. W e have also considered a convential loan but it appears that Ocwen shows I have  XXXX  late payment. I had a bankruptcy discharged in  XXXX . I paid off a second mortgage with Ocwen in   XXXX  . Although I think I have the problem solved w ith Ocwen, t hey would continually not send my payment coupon. I would call them and after talking with several different people, I convinced them that the bankruptcy had been  discharged ba ck in   XXXX  . They kept saying I had another bankruptcy in  XXXX  which is totally false. There was never any real property included in the bankruptcy. Unfortunantly this late payment report blocks getting a conventional loan. Do you have any help for this? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: WI

Complaint narrative:
I recently complained to Experian to remove the faulty Chapter  XXXX  bankruptcy from my credit report. This was their response : 'According to our records, the disputed chapter  XXXX  bankruptcy does not appear on your current Experian credit report. We are in the process of mailing a current Experian credit report directly to you for review. Please note that mailed correspondence  may take  up to 10 days for delivery through the  US Postal system ... ' However, upon creating a personal Experian account, I noticed th e public record is STILL THERE. AGAIN, Experian is either lying to protect itself against yet another complaint from the CFPB or HAS PULLED SOMEONE ELSES FILE WITH A SIMILAR NAME.     I am really quite tired of people mistaking me for other individuals, especially this guy in Georgia who I have never met . Either tha t, or the company is attempting to defraud or deceive in order to avoid a CPFB complaint, which is illegal.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JP Development, Inc.
State: ID

Complaint narrative:
A judgement was entered from  XXXX   XXXX ,  XXXX . Idaho has a   XXXX   year renewal.  XXXX  renewal  XXXX .  XXXX  renewal date  XXXX   XXXX ,  XXXX .   { XXXX } Principal debt { XXXX } Post-judgement interest { XXXX } Accrued costs { XXXX } Total debt The original debt is a mistake. The   XXXX   XXXX  , which has since closed, never presented the debt to defendant and judgement was made without our knowing. This is a complete mistake. We never received any information or opportunity to solve this matter until  XXXX  and now again  XXXX . The debt collector and  XXXX   XXXX  practice have the same address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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:
XXXX   XXXX   XXXX  has reported on my credit report for  XXXX  that I had  3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the  bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the   XXXX   XXXX    XXXX  numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the   XXXX   XXXX     XXXX  has the wrong infor mation on my payment, balance last payments amount made  & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the   problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting  XXXX   XXXX   XXXX  Address   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  FL Zip Code  XXXX  Regarding Account Number ( Blank  )  & Account Number ( Blank ) I ( blank ) on this  XXXX  Day of  XXXX   XXXX  do hereby request a complete copy of my payment history from  XXXX   XXXX   XXXX  to  XXXX   XXXX   XXXX  this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these accou nt s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. )  Please Mail this information ASAP

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 2017-05-18 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:
XXXX XXXX XXXX has reported on my credit report for XX/XX/XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address XXXX XXXX fl XXXX City XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) & Account Number ( Blank ) I ( blank ) on this XX/XX/XXXX Day of XX/XX/XXXX do hereby request a complete copy of my payment history from XX/XX/XXXX to XX/XX/XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex Check Cash Mo ect. ) Please Mail this information ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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:
XXXX XXXX XXXXXXXX has reported on my credit report for XXXX that I had 3 payments 30 or more days past due this information was and is incorrect i have sent numerous letters and responses to them asking for information regarding this reporting the bank continues to send me responces stating that my credit report is accurat but no documentation supporting the reporting of negative payments i have sent the XXXX XXXX XXXX numerous document showing past mistake of my payment that were misapplied by thier associates yet they still will not correct my credit report the XXXX XXXX XXXX has the wrong infor mation on my payment, balance last payments amount made & ect i have recently sent them a letter ( This is the exact letter ) and other information im having problems with the problem im having Date BLANK BLANK BLANK Complaint Dispute on credit report reporting XXXX XXXX XXXX Address Mail XXXX fl XXXX XXXX XXXX XXXX FL Zip Code XXXX Regarding Account Number ( Blank ) &  Account Number ( Blank ) I ( blank ) on this XXXX Day of XXXX XXXX do hereby request a complete copy of my payment history from XXXX XXXX XXXX to XXXX XXXX XXXX this request is to include dates of all payments that was made on these accounts dates of all payments that were past due on these accounts and dates payments was paid to these account s after due date. I ( Blank ) am also requesting all letters and correspondence advising me / making me aware of my past due payments I also request all payments showing my account were paid 30 or more days late I ( Blank ) also request all payment dates and how payment was made ( Ex XXXX XXXX XXXX XXXXXXXX. XXXX Please Mail this information ASAP

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 2017-05-18 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: U.S. BANCORP
State: MO

Complaint narrative:
I have been doing business with this particular credit card for the last 10 years under our company name.
We have made excellent payments to this company- from full payments to the credit card to consistent payments for the last 10 years - our interest rate was 12.9 % Since 2016 we have struggled with our business and we have seen our credit suffer - although we have maintained making payments to the credit - The credit card company started raising interest rates without noticed - from 12.9 % to 15.99 % interest and finally to 21.9 interest - practically double the amount of interest - I did not catch the interest hikes.
Their explanation was since our credit has deteriorated thus the interest - hikes causing us to pay that much more in interest payments.

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 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While the loan was with XXXX XXXX XXXX I was offer a trial loan modification. I began making payments to bring the mortgage into a current status XXXX accepted payments from XXXX XXXX until XXXX XXXX fulfilling my trial modification. I continued to make payments but the bank refused to accept any further payments after XXXX. All payments that were sent to XXXX were returned and not applied to the mortgage. How can pay a mortgage when they do n't accept payments. I in attempted in good faith to put my mortgage and pay off my debt as per the agreement with the bank and XXXX. They did not live up to their promises also XXXX refused to send multiple documents that were requested. Also documents that were sent to me in XXXX were from XXXX but we 're notarized in XXXX. Also these documents were from XXXX different companies and the originator of the document that was made in XXXX no longer existed in XXXX. How can a company notarized and state that a document is accurate when they did not create it. Than I looked into the head attorney for XXXX and found out it was XXXX XXXX XXXX pc. After doing research I easily found that he was no longer in business because of thousands of illegal immoral and unconcinable business practices.

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 2017-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST CREDIT FINANCE
State: CA

Complaint narrative:
First credit Finance This company has a bad customer service, the department that handle registration and titles As customer you expect a friendly answer for the other side of your line , We call  XX/XX/2017  t his person who answer our call was rude, she was not helpful she was so unprofessional and she hung up the call at the end, I request to talk to the  manager she help us but she mention well for what I know ur brother was using a bad vocabulary to our employee, I correct her and I told her our call was record and I can prove that my brother never use any bad language, She said I do n't give you the permission to record our call I said its ok we just want to bring this up for you to know how you people is working But as well as the other rep, sounds like she do n't care about it and my brother is not the only on e that complaint about this company they are so rude Hope you can call as customer and see how they answer or help you

Company response to consumer: Closed with explanation