vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.

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 2018-12-27 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to XXXX. They never responded with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TN

Complaint narrative:
They allege I owe them debt that they relieved me of. They said and wrote to me that I would owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: OH

Complaint narrative:
I have made several request for verification of accuracy with Transunion and they have not complied. Per the FCRA 611 ( a ) ( 7 ) : " A consumer reporting agency shall provide the consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) no later than 15 days after receiving a request from the consumer for that description. '' I have sent several letters requesting the following : 1. The name of the courthouse 2. The person 's name the disputed item was verified with 3. The address and telephone number of the person 's disputed item was verified with 4. Documentation used to verify the dispute.

I have never received any of the requested information per my FCRA 611 ( a ) ( 7 ) rights. The disputed item was also deleted/removed and then reinserted after the dispute was completed. I am requesting proper verification methods outside of the XXXX system used ; XXXX   court system ( this system is often incorrect ). I have called the courthouse several times to ask for their method of verification and I was told that they do not and will not verify any consumer 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 2018-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
During transunion breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/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 2018-12-27 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
In XX/XX/2017 I sent a Non-Negotiable NOTICE and DEMAND to Chexsystems. They never responded with my request.

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I AM BEHIND IN MY MORTGAGE SINCE XXXX I WAS SENT A DEFAULT LETTER BY SPECIALIZED LOAN SERVICES ( MY LENDER ) IN  XXXX, WHEN I GOT THE DEFAULT LETTERI IMMEDIATELY SENT SPECIALIZED LOAN SERVICING A CHECK FOR THE 3 MONTHS I WAS BEHIND, SLS SENT BACK CHECK WITH A LETTER STATING THEY ARE NOT ACCEPTING THE CHECK BECAUSE IT IS PAST 90 DAYS PAST DUE. I IMMEDIATELY HIRED AN ATTORNEY ( XXXX XXXX XXXX. ) TO PREVENT FORECLOSURE DEFENSE.IT HAS BEEN OVER 2 YEARS AND MY AREERS HAVE KEPT GOING UP AND THE HOLE HAS BEEN GETTING DEEPER, AS THE LENDER SLS REFUSES TO DO A LOAN MODIFICATION, HOPING TO DRAG THERE FEET LOMG ENOUGH SO I CANT CATCHUP AND THEY WILL FORECLOSE ON MY PROPERTY.I AM XXXX XXXX XXXX   XXXX AND CANT WORK, I RECEIVE XXXX PENSION FROM THE XXXX, SOCIAL SECURITY XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX. I WAS ADVISED TO REACH OUT TO A COMPANY XXXX AND THEY HAVE A PROGRAM ( MAP ) THAT HELPS WITH THE AREERS I DID AND SHOWED THEM MY INCOME AND WAS APPROVED FOR {$80000.00} PLUS I HAVE {$20000.00} SET ASIDE TO INJECT TO EQUAL A {$100000.00}, SO I TOLD MY ATTORNEY ON XX/XX/XXXX TO OFFER THE LENDER {$100000.00} AND I WILL BECOME CURRENT ON MY MORTGAGE ND I WILL START PAYING MY MORTGAGE AGAIN. THE LENDER TURNED DOWN THE OFFER OF THE {$100000.00} STATING IN A LETTER TO MY ATTORNEY THAT I OWE {$110000.00} IN AREERS AND THEY WANT THE FULL AMT. NOW THAT IS A DIFFERENCE OF {$12000.00}. THIS LENDER SLS HAS A COURT DATE WITH MY ATTORNEYS ON XX/XX/XXXX, WHY WOULDNT THEY ACCEPT THAT OFFER WE ARE DOING ALL THAT WE CAN DO AT THIS POINT THE LENDER IS NOT. THE MOST MAP CAN GIVE IS {$80000.00} AND THE MOST I HAVE IS {$20000.00} I FEEL THIS LENDER IS NOT COMPROMISING AND TRYING TO WORK OUT MY MORTGAGE SO I CAN STAY IN MY HOME. I HAVE TO AT THIS POINT TO KEEP MY HOME I HAVE NO OTHER CHOICE BUT TO FILE BANKRUPTCY IN FEDERAL COURT, AS I DONT WANT TO, AND THE FACT IS I HAVE GOOD INCOME, BUT BECAUSE OF THE LENDER TURNING DOWN MY OFFER OF {$100000.00} TO NOT EVEN MOTIFY THE MORTGAGE JUST TO PAY THE AREERS THAT IN MY OPINION DRAG THERE FEET CAUSING THE AREERES AND ADJOURNING THE CASE AND THE MORTGAGE GOT STEEPER AND INTEREST GOT HIGHER AND HIGHER, IT WAS THE LENDER WHO CAUSED THIS AND NOW I MAKE AN OFFER TO FIX THIS {$12000.00} THEY REFUSE IS UN-HEARD OF AND THIS IS WHY I HAVE TO FILE A CHAPTER XXXX BANKRUPTCY BECAUSE THE LENDER DOESNT WANT TO WORKOUT THIS MORTGAGE. I TRIED BUT THEY HAVE NO DESIRE TO ASSIST IN THIS MORTGAGE THEY WANT TO FORECLOSE AND I HAVE TO KNOW FILE A CHAPTER XXXX TO KEEP MY HOME.

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 2018-12-27 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: PA

Complaint narrative:
During XXXX breach Inquiries were removed then placed back on report without a 5 day notification of re inserting items on my report Inquires dated from XX/XX/XXXX-XX/XX/2018 & XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I pulled my credit report to find a {$130.00} alleged debt that was owed to a dentist. I have dental insurance. I was never notified that a portion was not covered. When I called the dentist ' I was told that the notice was sent to an old address. Therefore, I never received any notification or right to dispute the debt. They said they transferred the debt to a debt collector. They, too, never sent me anything at the correct address. Had I received proper notification and proof that the insurance company hadn't paid a portion, I would have paid the debt. As they did not follow required debt collection procedures, I would like the collection removed, for violating debt collection practices. Had they done their research, they would have known that they had the incorrect address, as DMV had my correct address.

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 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I had a home builded in XX/XX/XXXX started have problems with the home the builder trued to fix the problems about 10-15 times but the same problems come right back call to get a inspection of the home and the inspection reports States that the home was builded improperly the builder used 2x 4 to frame the first floor instead of the required 2x6 or 3x4. This cause inadequate support of the home also foundation was misaligned when home was constructed I can go on .I have reports done on the home by XXXX XXXX XXXX reports dated XX/XX/XXXX, reports by XXXX XXXX XXXX XXXX, XXXX XXXX called out by XXXX XXXX XXXX companies and a Engineering reports done XXXX XXXX XXXX, XXXX, XXXX  Hired by my lawyer. Why coming to citimortgage is that injury and damages to the value of the property never finish the parking lot no trash pick no Black top on the road .I sent citimortgage all reports Pictures Of how the Community has not been finished how there appraisal of the homes are wrong also your appraiser never came out to XXXX overlook I do believe because we have five homes own by citimortgage that have big problems going on.Citimortgage is not try to help people are going to loss there homes because they cant afford to pay mortgage for homes that not value at the price citimortgage give us for something that knot Complete homes builded the wrong way the builder walked away 6years still have take your trash to the next block to have it pick up citimortgage is just as bad as the builder get taking money from people who by robbed by the builder the city of XXXX and citimortgage all first time buyer citimortgage sent me and my neighbors a letter saying they sympathize with us but citimortgage cant help us this letter came from XXXX XXXX Executive Responses Unit dont care about us .Citimortgage came out to the property and done a inspection and will give me a copy of this inspection reports tell me I have to get my own inspection reports you know XXXX XXXX didnt read anything to say this because I sent citimortgage 5 inspection reports I payed for when people try to call them they tell them we can help you this customer service I send e- mails to XXXX XXXX, Chief Executive officer of citimortgage and XXXX XXXX, chief Executive office of citimortgage me my neighbors never got anything back from them to end this letter a lot of first time home buyers going to lose there homes not because they cant afford because they was taking vantage Of by the builder citimortgage and the City of XXXX I been fighting for 6 years need help!!!

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. Bank of America reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. Bank of America is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.

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 2018-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Merchants and Medical Credit Corporation, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I received a phone call from this debt collector at XXXX XXXX  PDT from their telephone number XXXX. In addition she did not even know who she was calling and said the wrong name at first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had transactions pending debiting my account in the amounts of XXXX, XXXX, and XXXX on XX/XX/18. Had they posted to my account they way they came in then I would have only received 1 NSF fee of XXXX. Chase bank decided to change it and pay the largest one first causing me to receive {$100.00} in NSF fees. The practice of paying the larger item first is abusive to the consumer so they can charge the most amount of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was approved for a trial modification. I understood I could not be late or the modification would be cancelled. I have two bank accounts listed on my Ocwen account. Im in the middle of my modification and I send a payment and I accidently select the wrong bank account on XX/XX/2018. I tried to fix before it became delinquent. Owcen only listened to one phone call and not the initial call. I had to hire an attorney to resolve my issue or file bankruptcy, which is not fair. I CAN afford my home and I had the money on point and they still declined and would not reinstate my modification when I called the day of and called repeatedly until the payment was applied and attempted to make the next payment. THEY LEAD ME WRONG!!!!!!! 

I contacted my investor XXXX ( XXXX XXXX XXXX, option XXXX, ext XXXX ) and spoke to him on XX/XX/2018. He stated Ocwen wants me to upload the mod package so it can be sent to XXXX for review. I did so however Ocwen has not sent the package to XXXX and the declined the mod again. I will continue to hire legal assistance until I am satisfied. I need help!!!!! Please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX  XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I applied for a mortgage loan and my credit report showed a charge off for an amount that was included in the bankruptcy I filed in XX/XX/2008. XXXX  XXXX XXXX reported the amount which was included in the bankruptcy. This adversely effected my credit score and I was denied the loan. XXXX XXXX XXXX is reporting this false information to all the credit agencies and it is causing my credit score to drop significantly.

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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I've had a PNC XXXX XXXX account since XX/XX/2010, the account was with me from XXXX   to XXXX, now XXXX. The account had become overdrawn due to a dispute on a merchant transaction which was not authorized. PNC, provided provisional credit during the time of review with the merchant. Per my understanding, the merchant provided information stating the charge was valid. I did not have time to rebuttal their claim. Therefore, PNC withdrew the funds from the account. I was not aware that the account had become overdrawn. I received a statement the other day showing a negative balance of XXXX roughly. This now is reported on XXXX XXXX and XXXX XXXX as I've got a charged off account. Had I know this occurred, I would have put the money back into the account putting it at a XXXX balance. PNC never called me, never wrote me asking to put money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Date:XX/XX/2018 Amount:XXXXHKD Action : purchasing contact lens from XXXX, and then received damaged item. Not willing to refund me, after contacting PayPal, they can only send refund if I pay for the returning shipping which is half of the price of the contact lends that I bought. So that means I only receive partial refund by paying for the sellers fault. The PayPals buyer protection actually protecting the seller!! Trying to dispute this charge from my bank account, but it seemed to late since I wasted my time on communicating with PayPal! Lesson learned!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-27 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: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I would like to file a complaint against XXXX XXXX XXXX. In early XXXX, I called to dispute charges that were made by my husband without my prior consent, as we were going through a separation. The charges were made at XXXX XXXX XXXX, XXXX and XXXX XXXX, and totaled {$4500.00}. I was given a provisional credit while an investigation took place. On XX/XX/2018, I was informed by the XXXX XXXX XXXX investigation team that since the charges were made by my husband, who was an authorized user at the time, it was considered " friendly fraud '', and that unless I was willing to file criminal charges, I would be responsible for the purchases. Since I did not want to press criminal charges against my husband, I was informed that the provisional credit would be reversed and that the charges would appear on my next billing cycle. I was informed by XXXX XXXX XXXX that the funds would be released to the merchants in 7 - 10 business days.

My husband continues to have accounts with the aforementioned merchants, who informed him that after I disputed the charges, the monies were taken taken away. When I was rebilled, the monies were never returned to the merchants. I have called XXXX XXXX XXXX numerous times, and each time, I was told that the merchants need to call their bank to have the funds released. I was also told to show the merchants a copy of my billing statement proving that I was rebilled. Despite this, the merchants still have not received the monies owed to them. I have repeatedly requested to speak with a supervisor from XXXX XXXX XXXX dispute department, and each time was denied, as I was told that there was no supervisor available to take the call. Each time, I requested for a supervisor to call me back on my cell phone, with the promise that a supervisor would return my call within 24-48 hours of my request. My last request was on XX/XX/XXXX, and I still have yet to receive a phone call. In addition, the merchants continue to tell me that they still have not received the monies owed to them. XXXX XXXX XXXX has been charging me interest on the rebilled charges since XX/XX/XXXX. In essence, I am paying twice for purchases originally made in late XXXX/early XXXX.

I request that either the monies are sent to the merchants or that the charges be credited back to my account. In addition, I request that the interest charges on these purchases during this time be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 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: MD

Complaint narrative:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IL

Complaint narrative:
My home was robbed in XXXX when my Mortgage company was XXXX XXXX. I replaced all of the items in my home per my agreement with XXXX. An insurance check was sent to XXXX reimbursing me for all funds spent which was over {$11000.00} dollars. XXXX was evacuated due to the California wildfires so my check was never processed. XXXX sold my mortgage to XXXX XXXX without my knowledge. XXXX XXXX  received the insurance funds. Midland was to apply the insurance funds to the arrears since the inspection is complete and all paperwork has been provided. However, I am being threatened with foreclosure still and they have not applied the funds. I am being referred to foreclosure today XX/XX/2018 even though HUD has told them not to put me into foreclosure. The funds have still not been applied and they have still continued to charge me late fees.

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