vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/2018, I tried making a payment to GAP from my XXXX XXXX card using the routing and account number that is provided on the app. They declined to make this payment saying payment unauthorized. GAP took this as a cancelled payment from me. I had to call and get my account with GAP re-instated. On XX/XX/2018, I had a payment going to GAP for {$450.00}. I thought I had changed my direct deposit account over going into my ASE Savings account were I knew I wouldn't have any problem with the money coming out of that account. But due to a recent XXXX and XXXX XXXX apparently I didn't do it. So as soon as I realized this I called GAP and explained to them what happened and also made the payment by phone at the same time. I was told that it wouldn't be a problem. I also made a phone call a few days later to make sure it wouldn't be a problem and again I was told it wasn't. Well, I woke up this morning to a notice from XXXX  that my GAP account has been closed. I called and asked them why was this action taken and I was told because I had two returned payments. The first person I spoke with told me if I could confirm that the one on XX/XX/2018, was due to the XXXX XXXX policy and because I couldn't stop the payment on the other one then I could possibly get the account re-instated. This turned out not to be the case and I spoke with other " supervisors '' who didn't seem to want to look at the fact that I called when I recognized the mistake, made the payment and the other one wasn't my fault because I did not know you could put money in to XXXX XXXX but you can only use the card to take it out.

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 2018-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.

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 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase Bank has reluctantly kept an identity theft account with outstanding balance still in my name from 2013. Despite working with their fraud department a year ago and providing the police reports to several departments that requested it. They failed to honor the police report and letter affidavit disputing the alleged debt as fraud and identity theft sent to them a year ago obviously Chase is still reporting the alleged debt as outstanding owed as I tried to open a bank account with one of their promotions yesterday. It popped up this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We requested to remove PMI. We were told originally to reduce balance to 80 % then that changed to 75 %. We did what we were told. We should have had PMI removed back in XXXX ; however we are getting the run around. We want the PMI removed & back dated to reflect the correct effective date. They are telling us we need to pay the full payment for a 2nd month which is completely unfair & unprofessional. We are getting no where with Caliber Home Loans customer service. 

Please help us! 

Our experience is real estate, insurance agent & prior mortgage origination therefore this should not be happening to us ... this is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANCORPSOUTH BANK
State: TN

Complaint narrative:
I applied for a FHA mortgage loan with Bancorpsouth in XXXX, AL in XX/XX/XXXX. During the loan process my credit was pulled and I was questioned on one of my creditors ( XXXX XXXXXXXX XXXX XXXX ) and the Creditor was called by XXXX XXXX to gain further information. There was discrepancies on the part of the Creditor ( XXXX ).  I explained to the Loan Officer the discrepancies. I proceeded to contact the Creditor to get the incorrect information corrected. The Creditor did an investigation and during their investigation, they found that they had in fact provided the incorrect information. Bancorpsouth requested further information from the Creditor. The Creditor stated it would take them 10 days because they would have to do another investigation. The Loan Officer insisted I hindered the Creditor getting the information to them because I had contacted them to correct what they had wrong. Bankcorpsouth asked XXXX for a pay history before, during and after the bankruptcy. I had disclosed to Bancorpsouth that I had filed a Chapter XXXX bankruptcy and at the advice of my Attorney, I surrendered the home in the Chapter XXXX and the house sold in XX/XX/XXXX, the bankruptcy was filed in XXXX ; therefore, there would not have been a pay history during and after the bankruptcy. I was denied my loan and I am inclined to believe the true reason of my loan being denied was based on my race ( XXXX American ). On XX/XX/XXXX the Loan Officer put derogatory information into the HUD system about my denial before I had received a letter from Bancorpsouth informing me that my loan had been denied. I find it very ironic that she input the derogatory information into HUD only after another Loan Officer from a different Mortgage Company requested the information from her. Due to the derogatory information that was put into the HUD system, this prevented me from getting a mortgage loan with the new mortgage company. I personally think this was a vindictive act from the Bancorpsouth Loan Officer and the Underwriter. I did not receive my denial notification from Bancorpsouth until XX/XX/XXXX days after the derogatory information was put into HUD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
Payday loan to get me through a rough spot. The loan was initially for {$300.00} ( I believe ) and I did ask for an additional {$160.00} ( I believe ) when I called they were very vague as to the details. To date I have paid them {$1100.00} and my balance is now {$480.00}. None of the payments have gone to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Last year I applied and obtained a secured MasterCard from Citibank - Acct # XXXX XXXX XXXX XXXX for which I made a security deposit of {$1000.00}. I was dissatisfied with the card from the very beginning and had unbelievable problems even with opening the account ( Citibank swiped an EXTRA {$1000.00} from my bank account and it took over 2 months to get it back, including filing a complaint with the CFTC ). 

About a month and a half ago I closed the account and yet, to date Citibank has not sent me back my {$1000.00} security deposit! They are not paying me interest, nor are they providing any service. My account balance at the time of closing the account was {$0.00} ( XXXX ). 

There is absolutely no justification for Citibank to hold my security deposit and yet, in the multiple phonecalls that I made to the company, I was told that it would take a minimum of 2 months to get my deposit back and some representatives told me that it would not be until next year! This is outrageous and I request CFTC to intervene. Citibank needs to be fined/penalized for these fraudulent practices!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I previously had a car loan with Satander Consumer back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
Good day : My name is XXXX XXXX, and I have a student loan with Navient as a servicer. Since I live in Puerto Rico, during the hurricane Maria emergency, the servicer provided me with a payment deferment. And I made my payments as agreed. However on XX/XX/2018 the servicer send me an e-mail with my next payment due amount was {$59.00} ( and they told me by phone that the amount will be my payment for that month ), and the next day, they sent other amount ( {$150.00} ). 
I need you to investigate this situation, since I'm in an Income Based Repayment Plan, I don't want my plan to be affected of my credit reports. 
Also, the servicer needs to be more aware of the charges they make to the customers. 

Thanks in advance for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
Two years ago I was forced to file bankruptcy. I decided to keep the house out. I had a first and a second mortgage. The company that held the first mortgage worked with me a did a loan mortification. Ditech Financial held the second mortgage. I tried for almost a year to get them to do a loan modification and never was able to get them to approve it. They constantly told me they had not received documents that I had sent several times. I finally got to the point that they were able to confirm they had received all the documents requested. They then told me that the time period since application had run out BY ONE DAY and I would have to re apply.

I decided to sell my house because I could not take it anymore. I received an offer on the house. I wanted to know what I owed on both mortgages so I could make a decision as to except the offer. I did not want to except an offer that was not enough to pay off both notes. I called the first mortgage lender, XXXX, they gave me a verbal over the phone and said they would mail out the exact figures at no charge. They gave me the option to expedite by fax for a cost of XXXX dollars which I declined I called Ditech, not only did they refuse to give me a verbal they told me it would be 10 business days before they could give me a payoff.

I now have an offer on my home which I have 24 hours to except or decline. I have no idea what the payoff is on my second mortgage so I can not make an informed decision. Depending on what Ditech charges me to pay off the note I might very well have to bring money to closing to sell my home. I have owned my home for 13 years and never missed a payment until about two years ago. 

I would be glad to furnish my account number upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: All Reverse Mortgage, Inc.
State: CA

Complaint narrative:
On or about XX/XX/2018, the complainant discussed receiving a reverse mortgage form All Reverse Mortgage staff of XXXX County, CA. As part of the mortgage she was required to set-aside {$19000.00} as a balance that she would receive out of the loan. After the loan appraisal was conducted, it was determination that a portion of those funds needed to be set aside for roof repair work, and she would receive the balance. The actual roof repair only cost {$12000.00}. She was promised ( at least twice ) that she would receive any residual balance ( promised to have originally been {$6400.00} ) and it would be remitted and wired directly into her checking account. At closing she provided check for this purpose. On approximately XX/XX/2018, the check for the roof repairs from XXXX Reverse Mortgage Servicing Department ( the mortgage company that the mortgage was sold to ), was received. However, the remaining repair set aside funds were never sent and were subsequently transferred to the complainant 's available line of credit instead of being returned to her as promised. When questioned about this matter, XXXX said that because she took a line of credit, that she is not due any residual funds as initially promised by All Reverse Mortgage. This statement was never clarified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to XXXX, XXXX, and Trans Union. XXXX responded with my results in a timely manner, but XXXX and Trans Union has not. THey are supposed to respond inside of 30 days, but XXXX and trans union has not met this requirement.

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 2018-08-16 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: Credit Plus Inc
State: MO

Complaint narrative:
XX/XX/2018 credit plus did an inquiry into my credit report without any authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have contacted GM Financial twice a week since XX/XX/XXXX pertaining to the return of an unpaid check from my credit union to purchase the vehicle. I unfortunately did not follow the stipulations of the loan, pre-approved checks can not be written to a lender. I need to purchase a vehicle and settle my account with GM Financial. I can not receive another check from my credit union until they have possession of the original check, a Legal Copy 21 of the check ( that can be retrieved from their bank, no photocopy ), or a statement from them confirming they will not try to resubmit the check. I have signed a letter of indemnity for the check on behalf of XXXX, but that is not sufficient to clear the matter. GM Financial is responding like my request is absurd. They are claiming to no longer have the check, the check was shredded, we never send return checks to customers, we are on a new system and the old system will have your request, no one has access to the old system, there is no phone number for the accounting dept., my request must be directed to their legal dept., legal dept. does not have a phone number ( fax only ). I was told to email and fax their resolution department. The resolution department emailed me requesting to call for further assistance. I called and was told the same thing again. I was told to fax their legal department. I am still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 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: TX

Complaint narrative:
On XX/XX/XXXX, I sent an investigation request to XXXX, Experians, and XXXX XXXX. XXXX responded with my results in a timely manner, but Experians and XXXX XXXX has not. THey are supposed to respond inside of 30 days, but Experians and XXXX XXXX has not met this requirement.

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 2018-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
First, I have disputed with Equifax for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with Equifax on numerous occasions and they have stated that the items were verified. To that end, I disputed with XXXX XXXX, the third party collection agency that is reporting this inaccuracy as well. XXXX alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what XXXX alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. Equifax has allowed XXXX XXXX to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16 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: IL

Complaint narrative:
Have paid off numerous of my accounts in paid in full but credit burea will not update the account to correct status that thes accounts have been paid in full and are not a collect or charged off as the have reported in my credit file derogatory information for these accounts have been paid in full ans satisfied no longer derogatory accounts need updating to reflect that the accounts are no longer derogatory status

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC
State: TX

Complaint narrative:
I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with Allied Interstate or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from Allied before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.

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 2018-08-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In XX/XX/2018 I sent certified letter to Experian Credit Reporting Agency disputing a collections from a company XXXX XXXX. The collection was removed from my report. Now as of XX/XX/2018 Experian has allowed the same collections to be added to my report through a different company XXXXXXXX XXXX. I know this is the same collection because the amount of {$330.00}. Also Experian has allowed a collection from XXXX XXXX XXXX to add a collections to my account. I have no Idea who this company is and why I owe them {$430.00}. I would like this things removed from my credit report immediately. I am cleaning my credit on my own without any outside help and It would be so greatly appreciated if your company could look into these disputes. I am working to achieve the American dream of becoming a home owner for me and my grandchildren.

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