vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MA

Complaint narrative:
In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
I was 1 month behind for several months in a row, I continued to pay my mortgage to try to get caught up, I started to receive notices about being past due right away, which I understand as I was late. Letters got more aggressive in nature so I called them, the agent set me up on a pay arrangement, the arrangement was taking the 1 month past due and spreading it out over the next 4 months. I thought now that I called them that they would stop sending letters and making phone calls, but it did n't stop. I made my agreed upon payments and each month would receive a late fee and several letters weekly advising to call to avoid foreclosure. I answered the phone a couple weeks ago and they advised me that their automatic dialer should not have called me because I was on an arrangement. They sent someone to my house to hang a notice a couple weeks ago because I still had my final {$300.00} due in  XXXX , I called them and they advised me that yes I do have an arrangement but because of the way they do their accounting it looks like I still owe from 2 months ago but not to worry about it. Now today I received a certified mail letter asking me to call to setup a face to face meeting to discuss options to bring my account current, I called and asked if I had an arrangement, they advised me I do but I will still get calls and letters because I am still past due even though my arrangement is n't due for another 10 days. Also when I call or look online in it says my balance due is over {$2000.00} but when I talked to the representative I only owe {$1300.00} because of unapplied funds. Because of this I am not able to make my payments online for free because I can not pay a lower amount than the total they say is due, so I pay over the phone for {$19.00} for each payment, or I can pay by mail but then I would be late because you can not guaranty when the payment would be received. I get 2 statements, several emails, and phone calls monthly, and several letters weekly, not to mention my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing this letter to dispute inaccurate information reported to the credit bureau and fraudulent charges on my credit report. The following creditor and accounts are in dispute : 1. Creditor Name : Synchrony Bank Account number : XXXX Account number : XXXX I have charges and a new credit account on my credit report that I did not authorize. This violates my rights under the Fair Credit Reporting Act. I did not visit, apply, co-sign or authorize any debt related to a purchase at XXXX XXXX on XX/XX/XXXX. The signature on the credit application and the sales receipt is for another individual, named XXXX XXXX. I did not visit or shop at XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX and I did not benefit from any transactions which took place on this date. XXXX XXXX visited XXXX XXXX and applied for new credit to purchase jewelry. The store fraudulently used an old Synchrony credit account ( i.e. account # XXXX ) opened in XX/XX/XXXX, despite the fact that this was a new credit application, signed solely by XXXX XXXX on XX/XX/XXXX. XXXX XXXX fraudulently applied new charges in the amount of {$2300.00} to an old joint account, established in XX/XX/XXXX. This if fraudulent because XXXX XXXX did not use the credit card attached to the old joint account ( i.e. account # XXXX ), hence the reason he applied for new credit onXX/XX/XXXX. I disputed this transaction in XX/XX/XXXX and then Synchrony Bank transferred the charges to a new credit account ( i.e. account # XXXX ) in XX/XX/XXXX and mailed new credit cards. I never applied for credit with Synchrony Bank to warrant receiving these new credit cards inXX/XX/XXXX and request that it be removed from my credit report. I have also written letters to all XXXX credit bureaus and the Consumer Financial Protection Bureau.

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 2017-08-05 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a new hard credit inquiry, that I did not authorize on Equifax. It for   XXXX   XXXX  , which is something I would never want. Awhile ago I applied to prequalify for a credit card but never gave anyone permission to run this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have a cash back Visa credit card account with Wells Fargo. My balance is over the limit, because of fees and interest. I can not pay the full amount. I went online to make a payment on XXXX/XXXX/17, of {$130.00}. The next day I went online to check to make sure payment was processing. Then the summary said I really should have paid {$170.00} instead of {$130.00}. The amount changed because I did n't pay the overlimit amount immediately, so they charged me another fee.
I am in a situation of a cascading amount of fees and interest, that are abusive. So my monthly payments are so high that, I have no money for food, gas, living expenses, etc. I want to keep this account current, but I am heading for default.
I am XXXX and live on Social Security. I called the customer service and her supervisor and told them this. They said there was nothing they could do and they would not forgive the fees in any way.
I am now considering suicide. I told them this and they could care less.
I do not want to hurt my credit score, because I may not get approved for housing and I will become homeless.
Remember, 75 % of the balance is NOT principle. It is fees and interest -- - extremely abusive.
Please step in and help me. I do n't want to go into default, but the payments are too high for me to make.

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 2017-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have a American express prepaid gift card and the same day I got the card the card was used. I tried working with the company that made the charge and go no where. Then I tried to work with American Express and they wont help me even tho theres a police case. Every other gift card company like XXXX and XXXX offer help to get your money back but American express do n't care about you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX   XXXX   XXXX  , The firSt one is   XXXX   XXXX   {$400.00}, I have notifications from  XXXX  showing this was paid and removed. I 've disputed with   XXXX   XXXX   and experian.   XXXX   removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all   XXXX    reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is   XXXX   XXXX   XXXX  ,  XXXX .. This was a   XXXX   XXXX   account. Back in 2012 it was added to my reports but with inaccurate information the amount being  XXXX .. I disputed it was removed. SUDDENLY in  XXXX  out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final ..   XXXX   XXXX  . I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent  XXXX  proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns.  XXXX  and   XXXX   XXXX   removed the account from my report. Experian has not.  XXXX  has not removed the address associated as they said they would.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc
State: FL

Complaint narrative:
I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
I applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.

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 2017-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Was never notified that Wells Fargo had decided to decrease my line of credit from {$7500.00} to {$5700.00}. Logged in to my banking today and found that after having this account for 4 years and never missing a payment that had decreased my limit. When I called about it I was given the run around, and told it was because they had " received a soft copy '' of my credit report and it stated that I had open to many accounts recently and that I had to many inquiries on my credit. I found this to be pure lies because I have opened no new accounts and not let anyone run my credit in almost 1 year. They said well they use XXXX, which again I found to be lies because I have credit monitoring with XXXX and had just paid for a copy of my credit report to see the status of a fee accounts I recently closed and paid off ... The Wells Fargo representative said they would gladly run a full credit check, i.e. try and substantiate the very lie they are telling stating I have had my credit run this year and / or to many times. Why on earth would anyone let them run their credit again when they have already had the account for over 4 years. Or why would someone let them run their credit after a representative just got done stating you have to many inquiries on their credit. Either XXXX credit monitoring and credit report is lieing or Wells Fargo is utilizing unethical and illegal practices to attain credit information on individuals. Additionally, their management customer service representative became rude and ignorant and more concerned with getting me off the phone than fixing the situation.

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 2017-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
PMI/MI request to end payment of PMI from my mortgage. XX/XX/XXXX is 5  years from the closing, I 've made multiple request to have it dropped but 6 weeks later they will not remove it or explain why? They call it MI ( mortgage insurance ) so i send a request to drop MI on XX/XX/XXXX with no response. Here are multiple reference # or LTK # 's that should help : Your reference/ticket number is XXXX, Reference number : XXXX, original ref # XXXX The latest problem is that they DID NOT pay my taxes in time & are delinquent w/ fees & interest. Who is responsible for there mistake? XX/XX/XXXX. Now i check my mortgage statement & it increased {$17.00} per month but my taxes dropped & no explanation of my fluctuating fixed mortgage payment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX they are my new mortgage company as of XX/XX/XXXX this year XX/XX/XXXX, transferred from XXXX XXXX. I XXXX  loancare complaints & 186 complaints on Loancare about customer service & billing. This company has done the same thing to me as they have done to many other customers. This company should be shut down for fraud!

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 2017-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Identity Theft  XXXX  2010 ( police report on file in  XXXX , CT ). Received copies of credit report from TransUnion. There were errors on the report. Rep at the company told me to correct info on the report, send it back and it will get corrected. I did that and trusted that it was done. I still see errors on the report I just received due to a " denial '' by a credit card company.
Also, incorrect amounts owed, does not state when the credit card or home loan was paid in full or anything that would reflect something good that the consumer did.
It just states " high balance '' and shows an amount that I may have had for a day or 2 and paid off.
It is very disturbing to know that even though I am NEVER late paying bills, and can not even remember being late, my credit score is in the   XXXX   's giving me a " D '' rating due to the " angle '' that the reporting agency gives to make consumers appear as if we are and will be delinquient.
I really think that the Attorney General should look into this type of business practice/behavior also.

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 2017-08-05 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: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I  currently notified the mortgage company because I noticed that my mortgage does n't report to the credit bureau. They informed me that since my xhusband filled for chapter  XXXX  in  XX/XX/XXXX  that is the reason. I explained to the mortgage company we have been legally divorced since  XX/XX/XXXX and that in the divorce decree my xhusband relinquished all aspects of the property and a quick deed has also been issued to the mortgage company. The mortgage company informed me that since my xhusband never reaffirmed the dept that there 's nothing they can do. I informed my xhusband of the new findings and he stated he was never notified or informed that he needed to reaffirm the dept with whom he filed chapter  XXXX  with nor did he keep any of the paperwork. Not even the mortgage company that we previously had informed us as to why I could n't receive or why they were not reporting to the credit bureau until this new mortgage company that the loan was sold to informed me as to why I never get a mortgage statement and why they do not report to the credit bureau. Now I need to have the mortgage company to report to the credit bureau since I make all the mortgage payments since  XX/XX/XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I first had received student loans through XXXX XXXX which is now navient. They had my payments very high and instead of lowering them the would tell me to file for student loan forgiveness. I 'm not even using my education because I have a very sick mom who has a XXXX XXXX and I give her alot of my money to pay bills on her house I live in as well including food etc ... I was told my loan was going to be much lower then it is and not only did it go up almost 10,000 dollars more then I thought, they are telling me after interest it 's going to double. The only thing that navient has done for me is made me current on my loan to do a student loans by putting all three loans into one to help with credit so I can sign up for student loans forgiveness again

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MA

Complaint narrative:
I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success.
This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation.
Please Find documents attached

Company response to consumer: Closed with explanation