vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TrasnUnion LLC, XXXX Credit Bureau, and XXXX  Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact TrasnUnion LLC, XXXX Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.

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 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech received a complete loss mitigation application on XX/XX/2018. Ditech reviewed the loan for a modification and the request was denied. The enclosed loss mitigation denial letter was sent to our attorney on XX/XX/2018. Ditech apologizes for any inconvenience or confusion you have experienced as a result of this issue. In a further effort to assist you, Ditech submitted a request to the investor for an exception to approve the modification, but the investor denied the request. 

The investor is XXXX XXXX. 

We asked to get on a repayment plan that XXXX XXXX  offers on " Know Your Options ''. What is a Repayment Plan? With this option, you spread out your past due amount added on to your current mortgage paymentsover several months in order to bring your mortgage current. A Repayment Plan may be an option if : You are ineligible or dont want to refinance You are facing a short-term hardship You are a couple ( or several months ) behind on your mortgage payments You can now afford your monthly mortgage payment Ditech stated we can't apply for a repayment plan. 

It appears Ditech and XXXX XXXX are not trying to work with us on our mortgage. There are several options to help homeowners however we've been denied on the services that are offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
They keep sending me offers telling me I'm qualified and an offer number so I go online and apply and it states that I was approved for an amount providing I can provide the proper documentation which I can then everytime they turn around and say no I'm sorry we can't help you at this time. My main problem is not that they didn't give me the loan the problem is this is the 3rd time they tell me I'm qualified and they do a hard inquiry on my credit reducing my credit score after I've worked hard just to get it over 605.even on my XXXX XXXX app it says my approval odds are good for this company I just answered another one of their letters only for them to turn me down and lower my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XX/XX/XXXX, a purchased an item on XXXX for {$900.00}. I then contacted the seller and cancelled the order. I saw on my credit card that the {$900.00} were still charged regardless of the cancellation, so I started a dispute case with my credit card. The item was purchased on XXXX using paypal linked to a XXXX XXXX credit card ending in XXXX. The paypal transaction ID # XXXX was confirmed by paypal and XXXX   to be cancelled. Yet, Paypal stayed with my money and has not issued a refund, therefore, my XXXX XXXX card also billed me for it. All three companies say there's a hierarchy and XXXX  and paypal can't interfere since I have a dispute case open with my credit card. Per my credit card, they closed the case unfavorable. It's the second time I have to lose money after purchasing an item on XXXX  using paypal even though I have enough evidence that the item has been cancelled. I have contacted with the seller and she also experienced a lot of problems with both even though she submitted proof of cancellation and sent it to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank was ordered by the court to reimburse the over charged interest rate fees. They owed me {$3100.00}, they took the money, applied it to my balance owed on the credit card, dropped my credit card limit, they told me that it was all legal. My question is, is that legal?

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 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank {$400.00} bank bonus : Opened account on XX/XX/2018 with {$15000.00} into savings. 
Moved {$1500.00} on the same day to meet requirements Left the money untouched for 3 months as required by the bonus until the date of XX/XX/2018. 
Left {$10000.00} there since then to not get charged a fee. 

Bonus should've posted at the latest XX/XX/2018 but some people through chat has communicated that it should've posted by XX/XX/2018. 

On XX/XX/2018 was charged a fee because my accounts were not linked so I didn't meet according to them the {$10000.00} between both accounts. That was corrected. 

I've spoken through them multiple times through chat and phone ( has transcripts of chat from XX/XX/2018 and XX/XX/2018 ) They've stated every time I met the requirements but the bonus doesn't post and they're not doing anything about it. 

On XX/XX/2018 they opened an investigation which was going to take 7 days, I just spoke to them, they said they're not done with the investigation.

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 2018-10-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
This company continues to report to my credit without verifying this account! I have put disputes in through the credit bureaus and XXXX was not able to verify this account and deleted it off my credit. However, the other credit bureaus still have this account reporting as verified. It also states they sent this account to a collection agency. I sent a letter to the legal dept according to FCRA 623 that I need this account validated! I get a letter back claiming they can't honor my request without signing it. This sound very sneaky to me as they claim they would have to do a signature comparison as a protection to me!!! 

*Attached is my letter to the company and a letter I received from the company

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 2018-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CO

Complaint narrative:
I borrowed {$1000.00} from XXXX in XXXX. I have paid over {$2000.00} so far at every other week payments of over {$340.00}. They also made the payments due before paydays and refused to change it after sending in paystubs. They also would not let me pay off early. The interest charged would have cost me over {$6900.00} to complete. They are not licensed in the state of Colorado and the interest rate is outrageous. I closed my bank account and told them I am done paying as I feel paying over {$1000.00} in interest is sufficient. They are threatening to sue me and ruin my credit by putting it into collections on all three agencies. Thank you!

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 2018-10-26 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: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
I have been back and forth with Credit Acceptance Corp for over 8 months regarding the same issue. They are reporting my account as closed and charged off when I am still making payments and my account is actually open. They also have my account showing that I was repossessed when my car was NEVER repossessed. For over 8 months I have disputed both those claims, I have spoken to over 10 supervisors, I have spoken to legal, and I have requested to speak to the credit reporting department over 15 times in which they claim that there is no number for that department. Each time I disputed the account and also faxed them over my credit reports showing that my account is being reported as closed, they responded back to me stating that everything is accurate when it is not. 

This is not only destroying my credit, but it is also hindering me from getting refinanced, a new car loan, or even obtaining any type of credit. This is all due to improper credit reporting and they choose not to rectify it with proof provided.

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 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
After receiving a payoff of {$170000.00}, which included an amount of XXXX in escrow disbursements the matter to settle this is URGENT. We are attempting to payoff a mortgage with Mr. Cooper and believed what we owe was at least {$130000.00}. An investigation has gotten underway but in the interim, several escrow representatives has stated this amount comes from payments to the tax departments. I have called the individual tax unities. Specifically, XXXX XXXX XXXX, who received a payment of {$17000.00}. 
County tax XXXX and Mud tax of {$6100.00}. These amount calculate to over {$28000.00} in payments. Please see the attached XXXX tax exemption. XXXX XXXX  tax department has declared we received the money and their was not a request to send it back. We are asking the the escrow and tax department  request the amount back and refunds back to the account ASAP. This loan will be a part of federal employee 's loan profile and paid through a system. However, it has to be transfer first!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have using XXXX XXXX to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to 640 's. Lenders are not interested in helping me get pre-qualified now.

An Equifax representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report.

XXXX cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two checking accounts with Bank of America. On XX/XX/18 I checked my available balance on one of my accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account was over by {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak with a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed and since I never signed for overdraft protection, any transaction that come to my account when there is no sufficient funds should be declined, but instead I am already being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX  refused to reverse the {$35.00} fee. All my transactions were made as credit and are still in pending status as of XX/XX/2018 and Bank of America already charged me a overdraft fee on XX/XX/2018.

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 2018-10-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted TransUnion to explain to them that I had not authorized these inquiries and I was a victim of their inquire glitch. I requested them to remove the negative inquiries and spoke with XXXX at TransUnion and she would not help and take care of the negative inquires that are reporting on my credit report. 
I asked them to remove the following negative inquiries ... .. 

XXXX XXXXXXXX inq. ( finance ) from XX/XX/XXXX consumer in. ( XXXX XXXX ) XX/XX/XXXXXXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX/XXXX/XXXX ( department & stores ) XX/XX/XXXX XXXX ( MISC. ) XX/XX/XXXX XXXX ( automotive ) XX/XX/XXXX XXXX XXXX ( automobile ) XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX ( MISC ) XX/XX/XXXX XXXX XXXX. ( BANK ) XX/XX/XXXX XXXX XXXX. ( Finance ) XX/XX/XXXX XXXX XXXX ( automotive ) XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX ( finance ) XX/XX/XXXX andXX/XX/XXXX and XX/XX/XXXX XXXX ( bank ) XX/XX/XXXX XXXX ( national credit card airlines ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX XXXX XXXX ( finance ) XX/XX/XXXX and XX/XX/XXXX XXXX ( finance ) XX/XX/XXXX I called Transunion and spoke with XXXX to get help with the removal of the negative inquires and I did not receive any help at all and I have called prior asking about removal and still no help. 

My name is XXXX XXXX and ss # XXXX birthdate XX/XX/XXXX I can be contacted at XXXX or 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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I opened a dispute with Experian for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until 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 non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My name is XXXX XXXX and I have been having difficulty opening an account with your bank for years. 
The account would open and then close shortly after opening. 
I do not have any difficulty opening an account with any other bank except Chase Bank. There is never any explanation for why the account can not remain open and this is very disheartening. I would love to have a Chase account since it is in the lobby of my place of employment and also across the street from my residence. Being a new mom, convenience is very important to me but also it makes me concerned that there may be some sort of identity theft as I have never had a Chase account. 

The lastest account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When applying to refinance my vehicle, the lender reported equifax had no record of me. 
I called Equifax and they agreed-I had no credit or report. I am a homeowner, business owner, and have my background and credit pulled annually by government contractors. 
Equifax was absolutely no help as their phone operators and management could not speak english well enough for me to understand what they were saying. Can anyone suggest a remedy to this frustrating experience? 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
When I called Shellpoint in XXXX, I was told by my Relationship Manager, Mr. XXXX XXXX, that my new mortgage payment would be {$1300.00} which is at a fixed interest rate. 

The letter dated XX/XX/XXXX and received by me on XX/XX/XXXX that I received from Shellpoint now puts the mortgage at {$1300.00}. The letter was received after the mortgage was due. I sent {$1300.00} on XX/XX/XXXX because that is what I was told was due by Mr. XXXX. This payment is much higher than my original payment for which I requested a modification to help with my original payment. 

When I called on XX/XX/XXXX to inquire of the mortgage payment, the representative said the payment is {$1300.00}. This is not the amount I would have agreed to pay. 

When XXXX transferred the loan in XXXX, I was in a trial modification and the balance was {$190000.00} which included {$20000.00} in fees that they put on the back of the loan. The letter I received from Shellpoint is {$210000.00}, which appears they added another {$20000.00} in fees in three months.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
A check was deposited into my account that I was not aware of I previously warned my bank about a phone call I received about a week prior to the check being deposited. My bank at the time when I called them only change my account number but they still allowed items to come in and out of my account. Now I am being punished for this. The security department will not speak with me. They are making me pay for the check without even doing any type of investigation. If I didn't continue to call them about the issue they would have never gave me the option to enter in a clam. I also change my online banking password.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXXXXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until 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