vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 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: GA

Complaint narrative:
In XX/XX/XXXXmy car was financed thru XXXX XXXX and my last payment should have been in XX/XX/XXXX. However, I disputed the amount XXXX XXXX tried to collect from me and refused to pay after they threatened to repossess my car and damage my credit rating. I immediately discontinued all further contact and made no further payments. This account was then closed/charged off in XX/XX/XXXX by XXXX XXXX at which point I began getting collection calls from their representatives and collection agencies. When I asked the collection agency for a Debt Validation report because the amount XXXX reported as owed was in error, I never again heard anything from either the Collection Agency or XXXX XXXX. EVER. Not one single word.

In XX/XX/XXXX, I decided to purchase a new vehicle and my dealership advised the best course of action would be to turn in my vehicle to them ( they would have it picked up by XXXX XXXX XXXX agent of choice ). This was done and in XX/XX/XXXX, I contacted XXXX XXXX to discuss a settlement so that I could pay a fair price for the remaining debt and move on with my life. We agreed upon an amount and I paid it over the telephone. ( Copies attached ). I also have a letter from XXXX XXXX in which they explicitly state that the settlement terms included the agreement that neither party would attempt to file any further charges, lawsuits, etc. against each other. However, after XXXX XXXX received their monies, they backdated and made changes to my credit report and continued to do so. I should not have " CHARGE OFFS '' and BAD DEBT notations on my report ... month after month ... beyond the date my account was closed. This is a violation of my rights and is an example of a company using their power to harass me thru the illegal reporting of incorrect data to the CRA 's. Fortunately, XXXX  does not allow this practice and has corrected the account based on my previously filed grievances.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a credit card account with Citi Bank and requested a credit line increase online o

n XX/XX/XXXX. Their web page specifically stated that no inquiries will be placed on my credit report, which is the reason why I requested the increase. On XX/XX/XXXX, a 'hard inquiry ' was placed on my credit report by Citibank NA with address XXXX XXXX XXXXXXXX XXXX XXXX , SD XXXX. 

I have not authorized or agreed to this inquiry and would like to have the inquiry removed from my credit report as it brings my credit score down. 

I contacted Citi Bank and their customer service agent could not explain why a 'hard inquiry ' was placed on my report for a simple credit line increase request, however they said that there is nothing that they can do and refused to help me any further.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
As per telephone advice provided today by XXXX of your Bureau I am attaching two PDF documents which are updates to complaint : XXXX You provided a very narrow definition for my complaint when it should have allowed : all that apply. 

The billing and collection practices by XXXX XXXX XXXX XXXX. XXXX XXXX as agent for XXXX XXXX Rewarded Account are beyond what is allowed by law. They skirt Federal Law by not sending anything about the collection dispute via the United States Postal System ( USPS ). 

They dun by numerous telephone calls, as many as three even four in one day. They stop short of the XXXX deadline. 

They are Robot calls. When on the rare occasion they leave a message on my answering machine it is confined to advising me to call a number regarding the status of my account. I can not at this moment remember if they ever mentioned XXXX XXXX as the account. 

My original complaint I believe mentions the numerous phone calls. XXXX advised me rightfully so that CFPB can not address this matter. What I would like is this government agency to work with the Do Not Call registry to tighten up investigation and prosecutions of offenders. I can supply that agency with many offenders. 

As to what I want is for your agency which has been spectacular in helping me to advise and ensure that XXXX wipe out all charges incurred on this account. 

Further, I want XXXX to notify the four Credit Reporting agencies to restore my credit rating to the high 800s. And for XXXX to prove to you that was done. 

Then I you want to ensure XXXX advised XXXX XXXX of the truth of this complaint. 

I had written to XXXX that there original claim of investigation was insufficient. This is even worse. 

Note : XXXX  acknowledges they have the power to erase the original charge of {$16.00} but conveniently admit they are not doing this by advising me the current balance is {$16.00}. The exact price of the shoes I bought. I will never use this XXXX XXXX card or any Store Credit Card. 


Close the account as long as it does not

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I lost my debit card and someone got ahold of it and withdrew {$600.00}. I disputed the charges and USAA credited my account {$600.00}. Then yesterday XX/XX/XXXX USAA took back that money. I called them to ask why they took it back they said the fraudulent charges were not fraudulent because the person that used my card used the PIN. The last place I had my card was Do It Best in XXXX XXXXXXXX the same day as the charge of {$600.00}. I noticed my card missing the following day when I attempted to buy groceries at grocery outlet in XXXX CA. This is the fourth time they have done this to me I needed to buy equipment for my job but now that I am {$230.00} in the hole I can not do anything and I am at risk of losing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
Keybridge Medical Revenue has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
XXXX XXXX holder of my mortgage transferred servicing to LoanCare , LLC, as of XX/XX/XXXX.Notice of Transfer said to send payments to XXXX XXXX , XXXX XXXX XXXX, XXXX, PA XXXX. I notified my bank, XXXX  of account number and address change and sent through my first payment through Bill Pay to be received by XX/XX/XXXX in the amt. of {$610.00} and then I sent a second payment to be delivered by XX/XX/XXXX in the amount of {$610.00}.

I discovered XX/XX/XXXX, that my XX/XX/XXXX payment had not been applied, and sent a communication to Loan Care. I have talked to multiple people and had multiple email conversations. My second payment has not been posted either. I sent the documentation of proof of payment that XXXX  instructed me to send from my website, I did not hear back other than another dunning call. I was told I needed a transmittal letter from XXXX  sent to them at XXXX.myloancare.com. I spoke to XXXX  and they said they would send it right over to them at the above email which they repeated back to me. I got a confirmation letter with the transmittal information from XXXX, and after speaking to another agent at ( XXXX  ) LoanCare, I sent a copy of my letter as well to the email mentioned above. One of the agents ( XXXX  agent no. XXXX ) told me they were not set up to receive electronic transfers and that the XXXX should have sent a check. There was no mention of this in the Servicing Transfer Notice.

I made an extra payment over the phone to waylay any dunning, on XX/XX/XXXX.

I have asked if I should ask XXXX to recall the payments and pay them directly, but was told they want the transmittal form. My husband and I have spoken to and corresponded with multiple people regarding this and was told this past Monday, XX/XX/XXXX that it was just sent to the area to be researched and to give it 5 more business days. I received another dunning call today, XX/XX/XXXX and I asked them to please read the history of customer inquiry and was told that the transmittal I sent In XX/XX/XXXX wasn't what they wanted. I will call XXXX again, but I don't have any faith that this will be settled by LoanCare.

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
OnXX/XX/XXXX, I went to XXXX XXXX located at XXXX XXXX XXXX in XXXX, CA to withdraw money from my American Express Serve card. I went through the process of entering in my pin number and the amount along with which account to take the funds out of only to have the ATM machine not to dispense any money. I waited a good 3 minutes to see if the machine would dispense any money, before attempting to it again since I had some bills to pay that was due in a day I really did not think nothing of it, so I attempted to try again only this time the ATM machine said withdraw is not allowed. A male was waiting to use the ATM and stated oh that ATM machine is always breaking down and went inside the branch. I was waiting longer than normal for my ATM card to be returned.

A female employee came outside and asked me if everything was okay, I stated the machine final gave me my card I did not think much of it, she looked at the ATM machine and went back in, I on the other had went to another XXXX XXXX near where I was at this time it was in a grocery store only for the machine to say that contacted lender. I then looked online only to discovered. The funds was showing as if I made a transaction. I attempted to make a transaction but no funds was dispense.

I had to be at work at XXXX XXXX. so I had to head to work on my break on XX/XX/XXXX. I contacted my bank to dispute the charges and on XX/XX/XXXX my bank sent me an email informing me that my dispute was denied. I then contacted XXXX XXXX to inquiry why would my bank American Express serve would say that ATM vendor indicated funds was dispense when they were not.

I spoke with a person by the name of XXXX she informed me that a detail investigation was not done and that American express Serve need to request the date stamps, camera, error log. She only mention that a basic one was done and I need to contact my lender to re investigate.

I contacted my lender on XX/XX/XXXX. I am late on a few bills because of this situation that I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX Short sale package was submitted to PNC on XX/XX/XXXX. On XX/XX/XXXX we were told PNC had sent a letter to the borrowers accepting them into the short sale program, which the borrowers must receive and complete in order for the file to be moved forward as a short sale. The borrowers have not received anything from PNC, and PNC is refusing to send us ( the authorized third party ) a copy of this letter.

( ( ( In addition PNC has refused to acknowledge the authorization signed by the borrowers on many occasions and we have to fight, literally, just to get PNC to acknowledge that we are the Authorized Third Party. ) ) ) -- see attached Third Party Authorization. I am attaching it here because i know if i do not, that PNC would simply state i am not authorized on the account so that they can outright ignore this Federal Complaint. ) ) ) Since no one has yet received the letter from PNC, the borrowers have taken it upon themselves to write a letter accepting the short sale program. ( see attached letter ) PNC is REFUSING to acknowledge this letter and the express desire of the borrowers to participate in a short sale.

Everyone we have spoken to at PNC is absolutely disinterested in solving this problem. No One seems to understand or care that their 2nd lien will be wiped out if the 1st ( XXXX XXXX ) forecloses. There is an upcoming foreclosure date of XX/XX/XXXX and PNC is essentially refusing to work on this file.

We have explained to PNC multiple times the urgency of this situation due to the upcoming foreclosure date initiated by the 1st XXXX XXXX XXXX. PNC does not care. They are refusing to do anything about the fact that the borrower has not received anything from PNC, refusing to provide a copy of this letter to us as the Authorized Third Party, and thereby is not protecting their investors interests in any way, shape or form.

****** XXXX XXXX  IS RECEIVING A FULL PAYOFF ON THIS SALE AND THEY ARE THE FORECLOSING PARTY. PNC STANDS TO LOSES HUNDREDS OF THOUSANDS OF DOLLARS AND NO ONE WE HAVE SPOKEN TO SEEMS TO CARE. ******** Please help us to get PNC to move this forward. The fact that we have to submit a Federal complaint due to the PNCs apathy and ignorance is ridiculous and absolutely unacceptable.

I want a copy of the letter accepting the borrower into the short sale program sent to us immediately. The homeowner wants to do a short sale and has expressed this multiple times, in writing, to PNC, as have we over the phone as an Authorized Third Party.

**Please see attached Authorization for RE XXXX XXXX and Letter Accepting Short Sale Program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted Bank of America regarding interest rate changes to my credit card account ending  XXXX. The Credit Card Agreement indicates the initial interest rate was 8.24 % Standard Rate. Bank of America advised there was an interest rate change of 8.49 % on XX/XX/XXXX; 9.24 % on XX/XX/XXXX and 9.49 % on XX/XX/XXXX. Review of the notices received indicates Bank of America did not to send a 45-day Change In Terms Disclosure advising of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX.

A complaint was filed with the CFPB on XX/XX/XXXXrequesting clarification of the Standard Rate ( Fixed Rate?? ) vs the Variable Rate APR verbiage indicated on the Credit Card Agreement. I also requested copies of the Change in Terms ( Interest Rate Change ) Disclosures from XX/XX/XXXX to XX/XX/XXXX. A response was received from Bank of America on XX/XX/XXXX. Bank of America advised interest rate changes to the account were XX/XX/XXXX ( 8.24 % to 8.49 % ) ; XX/XX/XXXX ( 8.49 % to 8.74 ) ; XX/XX/XXXX ( 8.74 % to 8.99 % ) ; XX/XX/XXXX ( 8.99 % to 9.24 % ) ; XX/XX/XXXX ( 9.24 % to 9.49 % ) and XX/XX/XXXX ( 9.49 % to 9.74 % ). Change in Terms Disclosures were provided for review for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( with no interest rate changes ). However, Change in Terms Disclosures WERE NOT provided for review for XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; XX/XX/XXXX/XX/XX/XXXX ; and XX/XX/XXXX/XX/XX/XXXX.

Although the Creditor provided a response to my complaint and SOME supporting documentation, the documentation provided validates the premise of the initial complaint. 1. Bank of America, failed to provide an explanation of why the Credit Card Agreement identifies the loan as a Standard Rate and the APR is actually a Variable Rate ( it is my understanding a Standard Rate is a Fixed Rate ). 2. Bank of America infers that since the credit card was a Variable Rate APR ( no explanation provided ) they are not required to send Change in Terms Disclosure for the interest rate changes as required by the Card Act of XX/XX/XXXX. Although, Interest Rate Change Disclosures are required by law to be sent within 45 days of the change. The response Bank of America does not address the concerns of the initial complaint and the Creditor has been unresponsive to additional calls regarding the complaint.

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 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: OH

Complaint narrative:
TEK-Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: CA

Complaint narrative:
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment 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 2018-05-04 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: CA

Complaint narrative:
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: CA

Complaint narrative:
XXXX XXXX XXXX did not bill me correctly nor sent me my statement to my correct address.and by the time they fixed their error they posted my payment 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 non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
on XX/XX/2018 I was notified that a negative collection account was placed on my credit account by a RPM Receivables Performance Management for {$77.00}, original client XXXX.

I am in the process of closing on a house so this my prevent me from being able to complete the transaction. I contacted XXXX on XX/XX/XXXX who comfirmed that I owed no money to them. I took the chat transcript and sent to RPM, letting them know this debt was not valid and that any further reporting would be with the knowledge it was false. They ignored me and reported me to further agencies.

They now admit this was in error and was paid, but have yet to remove negative marks from my report.

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 2018-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In order to receive assistance from a student loan repayment assistance program, I require a letter estimating what monthly payments I would need to make on my loan to pay it off by XX/XX/2022. The servicer is willing to state orally over the phone what payments I would need to make, but is unwilling to provide a letter with the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
freedom mortgage lower the vaule of house on paper XXXX. so they could charge me XXXX for mortgage insurance. l went from a arm to a fix same company same home. call company said it was because of a va loan fee. not true have XXXX XXXX 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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have called Ocwen 's Office to no avail. I have sent letters, one has come back as return to sender not deliverable addressed unable to forward, I used their address that is listed and provided on my credit report. Please see attachment. Ocwen is reporting 2- 30 day late on my credit report, although they removed it from my XXXX Credit Report on XX/XX/2017, it still remains on my XXXX and XXXX . The 2- 30 day late ( 1 ) payment was made on a Sunday through the automated system, and the second late payment was made on XX/XX/XXXX. If you get int touch with Ocwen would you mind sharing the attached letter. Thanks and have a great day!

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