vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 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: IL

Complaint narrative:
On my most recent copy of my credit report, as of XX/XX/2019 I noticed that all of my Open credit  cards accounts that are in " good standings '' have been deleted from my credit file report. The following accounts have been deleted without my permission : 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX XXXX XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX  XXXX XXXX CO 6. ) XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX  XXXX 9. ) XXXX XXXX XXXX 10. ) XXXX XXXX  XXXX 11. ) XXXX XXXX XXXX 12. ) XXXX XXXX XXXX 13. ) XXXX XXXX XXXX 14. ) XXXX XXXX XXXX 15. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
we sold our home & got a pay off from Bank of America & when we got close to closing our attorney spoke with the clerk at the records office to & discovered that BAC had no mortgage lien recorded on our property but Countrywide had a lien instead. 

caused a large problem that caused a lot of stress & attorney costs & re took the chance of paying Bank of America the balance of our loan  that they did not have filed hoping they would pay off the Countrywide loan they never handled properly to make matter worse XXXX XXXX serviced this loan & would not help us either after many hours of the phone with both XXXX XXXX & bank of America/Merrill Lynch, who gave us no help and a lot of lies & broken promises

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 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
I need information on 4 checks from XXXX to XXXX, 2016-Ive called 10 times. I get hung up on after 30 minute holds. Contacted manager 5 times-no return call.

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 2019-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi & happy Saturday again, I'm not sure where to bring this issue to!!! I was going through my credit report from the credit report agencies and credit monitoring sites and I've challenged this inaccurate information with departmental store BestBuy because there is an unknown late payment on my report from XX/XX/2017 30 days late payment. How is that possible? 

I have an impeccable credit profile and this is really stressing me out and I can not have accurate information/RESPONSES and proof back this company. I send out a letters as shown to the company for in-depth verification on that late payment and asked if they can not prove I was actually and factually late - then I need it to be updated as paid as agreed and NEVER LATE. Please change that.

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 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to 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. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Over the last five years, I have been going back and forth with Equifax over information that is not mine. On XX/XX/19 I placed a life on my credit report to discover another current address on my file and two accounts that I have previously disputed with Equifax over the last five years and each time they are removed.

I live in XXXX XXXX, XXXX for over two years and now the address that is showing as my current address according to the credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. However, I am a XXXX   resident. I contacted them on XX/XX/2019 via phone and I was blocked from conducting an online dispute, and I was told that they have my pdf documents but they can not verify me and I provided ssn, state id and voter 's registration card. I do not understand why everytime I lift the freeze to apply for employment, credit or loans, that I have this information of XXXX Credit Card and XXXX XXXX Credit Card on my account and this information has been verified numerous amounts of times. But they continue to add this information to my credit file. With all of the Security Breaches the Equifax has had over the last 5 years I feel that they should compensate the consumer due to their lack of interest and protection of consumer information when a Security Freeze, Lock is in place. They have allowed someone to change my current residence from one address to another and refuse to fix it. This is time consuming as well as frustrating. Because Looking at my other reports XXXX  and XXXX ... Equifax is the only agency that continues to place fraudulent and wrong information on their reports..Always!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I entered into a purchase agreement with XXXX XXXX ( now known as XXXX   XXXX XXXX XXXX XXXX ) in XXXX, Maryland for the purchase of XXXX XXXX in the amount of {$7400.00}. The purchase was financed through a medical credit card account with Comenity-XXXX. Under their deferred interest plan, no interest was payable as long as the payments were made timely. 

Pursuant to the XXXX credit account, I received monthly statements over a period of 23 months. The statements were paid within a few days of receipt. At no time did Comenity indicate that any payment was not made timely. 

On or about XX/XX/XXXX, I received a statement for {$300.00} for 24th and final payment. On XX/XX/XXXX, I called Customer Service to confirm that payment of this 24th statement was indeed the last payment owed. 

On XX/XX/XXXX, I wrote a check made payable to " Comenity-XXXX '' in payment of the 24th and final payment. I placed that check into a U.S. Postal Service mailbox on either XX/XX/XXXX or XX/XX/XXXX. Please see a copy of the attached notarized Certificate of Mailing. 

Nothwithstanding my prompt payment, I received another statement in XXXX from Comenity indicating a new balance of {$2500.00}, which included an interest charge of {$2200.00}. When I called Customer Service to inquire, Comenity suspiciously claimed that my payment, which was mailed no later than XX/XX/XXXX, had not been " posted '' until XX/XX/XXXX. Therefore, they were adding a deferred interest charge of {$2200.00} plus a {$27.00} late fee. Although requested by me, Comenity offered no proof that the check was not received until XX/XX/XXXX. In other words, for a {$300.00} final payment, which was mailed timely, Comenity had added a {$27.00} late fee and a {$2200.00} interest charge!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX I received a Escrow Check in the Amount of {$570.00}. My Mortgage was {$1500.00} prior to this refund. My mortgage increases to {$1500.00}. I cash the Check. 
On XX/XX/XXXX, I receive notice that my Escrow is short by {$1300.00}. I have two options, do nothing and my Mortgage goes from {$1500.00} to {$1700.00} or pay the shortage of {$1300.00} and my Mortgage goes from {$1500.00} to {$1600.00}. I choose to pay the {$1300.00}. So at that time I am obviously irritated and call a Wells Fargo Rep., she tells me I should not have cashed the check. So in my mind why send it in the 1st place. So the Bank used this loophole to raise my mortgage? 
On XX/XX/XXXX, I receive another Escrow Check in the Amount of {$460.00}. So I again call Wells Fargo and talk to a representative who tells me that the escrow is evaluated every year in XX/XX/XXXX and that all escrow overages have to be returned to the customer. I just got my XX/XX/XXXX Tax evaluation and my property has increased in value from XXXX to XXXX. Obviously, the Taxes will increase and again I will be short on my Escrow Account and get to look forward to another Mortgage increase. This was explained to the representative and she told me she had no control over the tax increase. I get that and suggested that I do not cash the Check and she basically told me I had to. So, my thought is to cash the check and put it back into my escrow account as I pay it on line and have that option. She did not confirm or deny if this was acceptable, but did say even if I wasn't short in escrow come next XX/XX/XXXX I could expect to see an increase in my mortgage to cover the escrow shortage on paper to cover the tax increase, really? 
Again, I feel this is a game played by this lender to constantly increase your mortgage every 2 years and it is not right! I should be able to add more escrow monthly to avoid a mortgage increase. I am XXXX, and really do not feel that my income will increase to offset this increase every 2 years. What is the escrow overage limit defined by the government that has to be returned to the lender? 

Respectfully, 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 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-05-18 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I am trying to get a XXXX  with 0 % interest but the auto dealers who are middle men between me and finance companies try to cheat me. What are the requirements to get 0 % interest? Without the dealer making extra money from points off my loan.

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 2019-05-18 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: TX

Complaint narrative:
In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from XXXX   was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.

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 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I acknowledge that i owe a ccard payment that is past due ... however being called 10 times between XXXX and XXXX on a saturday is absolutely harassment. 
I have blocked both numbers that they use to call me ( upwards of 20 times per day, every day, for 2 weeks ) because they obviously dont understand the fact that i will pay them, as discussed, this coming friday the XXXX. 
I refuse to listen to voicemails, i refuse to even accept the calls because being threatened with wage garnishment over literally 1 missed payment is absolutely ridiculous.

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 2019-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To whom it may concern : This complaint is to notify you of the unfortunate events which took place with JP Morgan Chase and its auto financing division. On or about, XXXX, of 2017 my auto payment was recorded, 30 days late. Subsequently, XX/XX/2017 payment was recorded 60 days late. Without recollection of verified notice, my vehicle was repossessed. I immediately contacted chase to resolve the issue, which they were no help to assist in the matter, aside from collecting the 2 late payments, in addition, the 3rd payment ( XXXX ), which was not late. Additionally, fees were assessed. I was left with no choice but to make payment in full. At that time, my loan was 'reinstated '. 

My complaint is as follows : To my recollection, proper documents were not provided and verified for repossession. Chase did not seek to aide me in a solution which would result in a favorable term for both parties and conclude repossession. Financial hardship temporarily hindered my ability to make payment and was unaware of my rights as a consumer. Furthermore, Until recently, I was not aware of the CFPB ability to research such complaints. 

I would ask you to research this complaint and with your findings have the repossession deleted from all three reporting agencies and the late payments associated with this repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On Tuesday XX/XX/XXXX I found out that I am a victim of Identity Theft and an Unsecured Personal Loan in the amount of {$35000.00} was issued by Barclay Bank to the thief. I also found out that a XXXX Checking Account was opened in my name and the {$35000.00} went into this account. I've made numerous calls to the Barclay Bank Security Division at XXXX -- XXXX and spoke with the investigator XXXX. XXXX told me time and time again that she can not share information with me in regards to where the account was opened. I confirmed with her all of my information is correct on the loan application ( SS #, DOB, Address, Drivers Lic. # ) except the email address and my place of employment. The email address used on the application is not my email address, but XXXX said she could not tell me the email address. She did tell me the employer used is " XXXX XXXX '' which is wrong. I've tried to get other information but I've been told time and time again that it is under investigation, I have to be patient. I spoke with XXXX on Friday XX/XX/XXXX and she became very irrate with me, told me not to call her anymore, she is not giving me any more information, that the XXXX Police Detective assigned to my case # XXXX needs to get a subpoena for the information. The XXXX Detective spoke with XXXX, told her that this is a fraud investigation and she needs to give the information and again she told him to obtain court documents. Today Saturday XX/XX/XXXX, I received a letter from XXXX in regards to me putting a Fraud alert on my SS # and this letter clearly states the following : " You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing '' NOT once did any of the Security Fraud Associates that I or my wife spoke with or XXXX at Barclay Bank explain to me if I submitted a request in writing for this information they would give it to me. Clearly, under the law ( which I have been saying over and over again ) I am entitled to all the information used to obtain this XXXX $ FRAUDULENT PERSONAL LOAN that was approved ONLINE with no face to face interaction. 

I will be calling XXXX at Barclay Bank on Monday XX/XX/XXXX to get an address, email address, fax # so I can submit a request in writing for all the information regarding this Fraudulent Personal Loan.

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 2019-05-18 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: TX

Complaint narrative:
I've been working and seriously monitoring my credit now for a few months. My first letters to all the bureaus were sent out back in XX/XX/XXXX. Anyways this last time I sent out letters to Experian and XXXX, I received no responses back. I've even sent copies of non-complaint proof on the collection agencies behalf. This was on XX/XX/XXXX sent via certified mail with tracking. The issues of concern are : XXXX XXXX -Reported under several duplicate accounts. Theyve yet to validate theyre claims that this account does indeed belong to me. Also, this is an attempt to collect under another company that was removed a few months back. Ive sent them letters also and theyve yet to respond. 

XXXX XXXX -They failed to provide accurate validation of debt. I have yet to receive anything. Please provide accurate valid proof or DELETE for improper reporting. 

XXXX XXXX XXXX - No validation established. Deleted by other credit bureaus. Please remove inaccurate account from my credit profile. 

XXXX XXXX XXXX XXXX -This account is reporting inaccurately. Please correct or delete for inaccurate reporting. 

XXXX  addressed some concerns but XXXX and Experian has ignored me. I have rights as a consumer and refuse to be ignored.

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 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
To Whom It May Concern : The reason for me filing this complaint with your agency is due to Conn 's store refusing to issue a credit to my credit card for a purchase I had cancel. The business practice of Conn 's is unacceptable and they don't have the right to withhold refunding my money back onto my credit card, but instead, Conn 's decided to retaliate and hold my credit card hostage due to the fact I change my mind about purchasing the appliances. This is fraudulently and I request that Conn 's issue a refund {$1900.00} immediately to resolve this complaint. 

Respectfully, 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 2019-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I did not authorized an transaction coming out of account ending in XXXX of {$88.00} the bank of Santander located at mail code : XXXX XXXX XXXX XXXX XXXX, MA XXXX, I have file a dispute and the dined my dispute and is charging me overdraft fees and interest that not fair to my self, I still dispute this {$88.00} that cause my account to be over drawn sine the XXXX of XX/XX/2019, the phone number to this bank is XXXX, I need my money back into my account I have other bills that are coming and causing my accont to be over drawn, I am XXXX and can't afford the fees they charing me, this unfair, unjust, bad business as a bank to this unjust practice, unethical I want my funds back into my account with the the over draft fees took off.

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