vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or about Monday, XX/XX/2018, I submitted a XXXX orders from XXXX 's to be shipped to my granddaughter, to XXXX, NY. I put the wrong billing address for the bill to be paid on my charge card. I have called on several occasions to correct the problem. I am told it is to late. The problem is I don't want my credit card number going to this address. I have spoken to several workers, XXXX, XXXX XXXX and XXXX XXXX. 
I am told they have fixed it and I should be getting an email since Monday. ( XXXX ). The order number is XXXX. When I called today it is the same problem.

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 2018-11-07 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: GA

Complaint narrative:
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to 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 2018-11-07 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: GA

Complaint narrative:
As of XX/XX/2018 I paid for deletion of this anonymous account appeared on my credit profile, in the mist of me purchasing my home. I reached out to both bureau and lender. I called the lenders to inform them of this item that i have no knowledge on that is being reported by XXXX XXXX. Only reason I agreed to pay this amount that is Im in the process of closing on my house. Now this debt do not belong to me and the only reason we went ahead and paid this account only because the Company stated they will remove away from credit but they changed it to paid as agreed. This was not the the agreement we made and now they are telling me i have takin responsiblite for these charges. WHICH IS FRADULENT AND I KNOW AGAINST THE LAW this is why im reaching out to Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
inaccurate information, no knowledge of account, FTC violation

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 2018-11-07 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I checked my bank account remotely on XX/XX/2018 and immediately reported 8 fraudulent charges to my account, and closed the card. I have no XXXX  account and no relationship to the Fl Tag Go Renew DMV in Florida. One can observe two other non fraudulent charges that bracket these other charges, both occurring in Pennsylvania and being legitimately my purchases. On XX/XX/2018, I went into a TD Bank and filed a dispute, surrendering my debit card. On XX/XX/2018, I received a letter saying they denied my fraud claim dipute. I was under the impression that there are consumer protections, especially given that I reported the fraud almost immediately ( the same day ) and still had possession of my debit card. The bank representatives continue to tell me that because the merchant could verify the XXXX code and zipcode, that they have deemed the charges to have been mine. If the suspect stole this information online, of course they would also have all of this " verifying '' information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Mortgage Loan processor noted as follows by NMLS Number will not credit our payments for payment due XX/XX/2018. They are not providing a monthly statement electronically or by mail as we requested and discussed by phone. XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
in XX/XX/2018 i was 2 months beind on my morgage with ocwen i had onappointment with my relastion ship manager on XX/XX/XXXX he wasnt aval i spoke to on nnother manager he told me since i apply for new modification give me new oppt XX/XX/XXXX when he call me on XX/XX/XXXX he told me my modification was denid and can not accept a payment becouse i/m 90 days late now and he will give me a payment plan wiicth also was denid he said my icome to low i dont know what to do we want to stay in our home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 my wife and I checked into an XXXX XXXX for what was supposed to be a 7 day stay. Upon checking in that evening after flying into our destination, we were extremely disappointed in the cleanliness and filth of the home so we left 1st thing in the morning and checked into a local hotel. XXXX XXXX refused to give us a refund for our stay for the 6 nights we did not stay and insisted that they keep the full {$350.00} even after we sent them photos of how disgusting the house was. At this point, I called Chase Bank to dispute the charge and Chase gave my a provisional credit. Chase was able to see that we in fact checked into a hotel seeing that I used my Chase Credit Card for the hotel. They said that was sufficient to show that we did not stay at the XXXX XXXX and we thought the issue was resolved. I explained to Chase that I was willing to pay for the one night ( 12 hours ) we did stay and they said there was no way to refund only 6 of the 7 nights. Well now, over 2 months later, Chase is reversing {$260.00} of the {$350.00} that was originally reversed. After 3 phone calls with Chase, I have been told I have no recourse because XXXX XXXX provided documentation that substantiates the charge. Really??? So what was supposed to be {$50.00} a night is now {$260.00}? Chase could not refund my account only the applicable {$300.00} for the 6 nights we did not stay, but they can now credit XXXX XXXX {$260.00} for one night? Chase refuses to send me a copy of XXXX XXXX 's response to them so that I can properly refute their response. I have received no Communication from Visa and Chase said Visa has no phone number to call in this regard. Chase would not let me speak with a manager and acts as if its a closed deal. XXXX XXXX made NO attempt to settle this issue with me and now Chase is making no attempt to represent me as their customer either. So I apparently have no recourse except to file this complaint and/or hire legal representation which would cost far more than the {$260.00} that was in my opinion, just illegally taken from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There are 2 errors in my credit report which Transunion is keeping them active when the companies closed their end of the complaint. 
1 ) XXXX XXXX XXXX for $ XXXX..Medical bill unpaid : PA Law states that a  company can not collect medical bills for vehicle accidents when insurance company refuses to make payment. 
2 ) XXXX/XXXX XXXX of {$360.00}. This was a stolen gas card that XXXX was fully aware and I was not responsible for payment. 

XXXX from Transunion stated these companies Closed their end on the complaint but XXXX on XX/XX/XXXX did not want to correct the errors and repeatedly stated, they will be off your credit report XX/XX/XXXX. I told her the idea was to correct credit reporting errors as these 2 are. She is making it difficult for me because she does not want to do her job in correcting these mistakes

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 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
I received an email this morning from the loan servicer ( XXXX XXXX ) that my account was past due and I owe them {$2200.00}. I have not missed any payments and have proof that all my payments have been processed via ACH on time since I signed the payment plan agreement. Their website says the account is paid in full, though I should owe {$2000.00} right now per the payment agreement. I called their customer service number and they don't know why the account shows as paid in full ( when I should owe {$2000.00} ), or why I received that email ( which originated from XXXX email domain ). 

Attached are screenshots of the email I received, my payment history for the account, the paid in full message, and a PDF of the payment plan agreement I signed over the summer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: KY

Complaint narrative:
I just received a phone call on my work number from a company answering to claims and litigations, aka XXXX XXXX. I never give out my work phone # and these people knew my social and all sorts of information like a legitimate debt collector would know. After being connected to another person who claimed to be a lawyer it became apparent that something was wrong. First, he said i had a US BANK account that discharged in 2014 and that money was owed but i never did and in fact, just recently closed an account with them. I would think they would not have even opened it in the first place if i owed them money. He said something about i committed fraud by using 2 id 's. When i questioned him he shut me up and would not answer any of my questions. I wanted to know what the balance owed was and he shut me up. I asked for an itemized statement of amount owed to be sent to me and he shut me up. He spoke really fast, so fast it was hard to communicate with them. It was almost like a scammer but legitimate debt collectors are just as shady so who knows. I have the company information which called me. XXXX XXXX  they answer to claims and litigation at phone # XXXX they gave me a case # 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 2018-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
I am writing for assistance with a private student loan vendor, Citizens Bank. I have two private student loans totaling $ XXXX with high interest rates around 11 %. This results in monthly payments of about $ XXXX that represents over 27 % of my take home pay -- and that is just interest - none of these payments are actually touching principal. 

I reached out to the servicer, XXXX XXXX who offered a 2 month deferral of payments but that the interest continues to accrue. They report the only option is a refinance. But I have exhausted all options for a Refinance. 

Citizen 's Bank tells me I don't qualify to refinance through them, this is probably due to an old bankruptcy from about 2 and a half years ago. I don't have a co-signer available to me either. 

I have called all different parts of Citizen 's bank and they have told me they will not modify the loan terms in any way. I'm told the only time that starts being discussed is once I fall into default. 

I'm trying to be proactive and reach a good solution on these loans without falling into default, but I won't be able to do this for long.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: Total Card, Inc.
State: MD

Complaint narrative:
I have contacted this agency 3 times to remove this late payment from my account as they stated I paid late in XX/XX/2017, but that is not true, They refuse to respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I applied with each of the credit bureaus to put a credit freeze/consumer protection freeze on each of my XXXX ( XXXX ) minor children 's social security numbers. My children are ages XXXX, XXXX and XXXX. 

I received from XXXX a confirmation that my XXXX year-old had a credit freeze placed and they provided me with a PIN number that I would need to unfreeze her credit file. 

I received from XXXX  a brief letter for the XXXX year old and the XXXX year old that a credit freeze had been placed on their files and that a PIN number would be sent in a separate mailing. I never received this mailing. 

When I called XXXX to investigate, they told me the following : 1. They do not issue PIN numbers for credit freeze for a minor ( even though I have letters to the contrary dated within the past week ) 2. The only file they have is for the XXXX year old and on her file is the information provided for the XXXX year old and the XXXX year old ( that is, all XXXX children 's documents were uploaded to one account ) 3. There are no files created for the XXXX year old and the XXXX year old ( despite the letters I received to the contrary ) My fears are that : 1. Private information for the XXXX year old and XXXX year old are on another person 's account 2. There are now issues freezing or unfreezing credit for the XXXX year old and the XXXX year old. 

I started this process after the credit breach this year to protect my children and now I feel like I've created a mess. 

I have also been unable to communicate with Experian - There is no way to speak to a human on the phone. There is no office to visit. There is no email with which to communicate with them. I received one letter from Experian with confirmation of a freeze and PIN number for the XXXX year old but not the XXXX year old or XXXX year old so I have no idea what happened to the younger children 's information.

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 2018-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I signed up for a credit card with Synchrony when purchasing furniture from XXXX XXXX XXXX. I signed up for a promotion of one year no interest. I then proceeded to sign up for autopay for my monthly payments. Today, I noticed a jump in my credit card statement which got my attention. I called the company and learned that the promotion was over and I had been charged back interest and a 29.99 % fee as well. My balance increased by {$500.00} from XX/XX/XXXX to XX/XX/XXXX. 

I understand I had a contract but I did not notice the promotion ended because I had signed up for autopay and missed the warning they provided in XX/XX/XXXX and XX/XX/XXXX 's statements. The only reason I noticed was the outrageous increase in my balance on my monthly email notification about my autopayment. 

I think credit card companies should have to notify you in the email autopayment that your promotion is coming to an end and to log in and view the statement. Most consumers do not look at the statements once enrolled in autopay and the credit card companies have an obligation to be more forthcoming. A consumer is likely to forget as I did when the year is up especially when using autopay. 

I spoke with Synchrony and tried to work out a deal to pay the amount off as of XX/XX/XXXX in full if they would work with me to waive the added interest and additional fees associated with a 29.99 % interest rate.They said they could not do that, the most they would do is waive a fee of approximately {$150.00} if I paid off a second charge that was also a smaller part of the total.

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 2018-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
On XX/XX/18 Rushmore loan management raised my principal and interest $ XXXX/mo. Even though Im on a % 4 fixed?!?! Called them for 4 Mondays after that with no explanation. Ive provided them with my loan docs which show a loan of XXXX at % 4 which equals a $ XXXX/mo P & I payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
my loans was sold to XXXX XXXX from BANK OF AMERIA ( BOA ) in XX/XX/2018, I was making my monthly payments on time and there is where the problem began. I noticed that on my credit report BOA did not report my payments at all the any credit bureau. I called several time to resolve this issue and was informed that they don't do that at all. then I called XXXX XXXX and informed them of the situation and they were unable to assist me either, I asked if they would report it to XXXX and they informed me they did but could not answer why BOA did not. Also XXXX raised my mortgage payment {$500.00} from one month to the next for a period of 12 months, because they stated that when they bought the loan from BOA they did not inform them that I was {$6000.00} unbeknown to me and that there was nothing they could do. This put me in a financial situation, that I'm just treading above water.

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 2018-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My XXXX XXXX XXXX credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.

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 2018-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
the company name is advance America the case was sent to some law firm who they are im out sure I have not revised any bill or letters in this matter I just talked to a lady a case is being filed against me case no XXXX the amounts is other XXXX or XXXX ths debt happen some time in XX/XX/2015 that's what the caller said

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation