vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Lifting a freeze took 15 minutes on the phone, with many questions besides the PIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
On XX/XX/2018 my car was repossessed due to non payment. I was notified of a returned payment the day before ( XX/XX/2018 ) and was told on XX/XX/2018 I had until XXXX XXXX  to make the payment in full or they were going to repossess my car. I made the payment in full over the weekend and the payment posted on the following Monday XX/XX/2018.They told me they had to install a tracking device on the car, because they had to repo the car. I feel that's extreme and unfair, I never hid the car for them to feel the need to install a GPS tracking device on the car. The finance company did not release my car until Monday XX/XX/2018, meanwhile marking the car as a repossession on my credit. 

When I asked about removing the repossession off my credit because the car is currently in my possession XXXX XXXX at my finance company told me, " no we're not removing it off, it is what it is, we had to pick the car up so it's a repo, deal with it ''. 

I don't want to have a repo on my credit if the car was released to me and in my possession. 

I received correspondence post dated on XX/XX/2018 on yesterday XX/XX/2018, informing me that my car was going to be put up for sale, meanwhile I already have it back and this letter came out after the payment had been paid, while having to wait 4 extra days to receive my car back. I missed 3 days of scheduled work due to not having my vehicle, especially after I corrected the missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I have disputed this debt over and over again. It is not my debt. The debt is a result of ID theft. I have already filed a report on this with the ftc. I am continuing to be affected by this debt through my credit report and it has caused me a huge financial hardship. This debt needs to be validated with my signature and a proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: DE

Complaint narrative:
On XX/XX/18, I contacted XXXX XXXX to settle my collections account for XXXX. I spoke with representative XXXX XXXX at XXXX. Mr. XXXX advised XXXX XXXX would accept my settlement offer of {$300.00} as payment in full and report my account as settled to the CRAs. I requested a letter confirming the details of the settlement prior to making payment. Mr. XXXX connected me with his supervisor XXXX XXXX who assured me that I would receive a receipt and letter of confirmation upon making the payment. I verified all of my personal information including mailing address and email address. The {$300.00} payment was debited from my checking account, but I did not receive a receipt, or a settlement letter on XX/XX/18. On XX/XX/2018, I spoke with a representative who advised me to allow 2-3 hours for the letter to be sent by email. The rep said he would email XXXX XXXX to follow-up. The requested documents were not received on XX/XX/18. On XX/XX/2018 at XXXX XXXX, I spoke with the supervisor XXXX XXXX who stated my collections account is showing a {$0.00} balance and stated the letters & receipt would be sent within 24 hours. Again, the letter was not received. On XX/XX/2018 at XXXX XXXX, I spoke with representative XXXX XXXX who requested my physical address and email address. Ms. XXXX claimed there was no contact information on file for me. Ms. XXXX said she was emailing her supervisor regarding my issue to ensure it was resolved. She also stated the letter would go out ASAP before the call disconnected. I immediately called XXXX XXXX back at XXXX XXXX and spoke with XXXX XXXX, the original representative who took my payment. Mr. XXXX confirmed that he remembered me, apologized and stated the account shows a {$0.00} balance. I requested the email be sent to my email address XXXX. Nothing was received.

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 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I'm currently a XXXX  school student in XXXX. I received an unusual activity report and when i went to check noticed that my account had been virtually wiped out with thousands of dollars in transactions. These transactions ranged from XXXX XXXX, to a number of states up and down the eastern seaboard. 

After filing with dispute Bank of America rejected the claim saying it was me. To counter that, I provided evidence that I was in XXXX - I had a doctors appointment during the disputed period and provided the uncensored post appointment writeup - as well as billing statements from my XXXX school indicating that the balance of money in that account was to make an upcoming payment to the school. 

Despite this fact, and that I clearly could not have been in XXXX and at my doctor in XXXX on the same day - Bank of America has again denied the claim with insufficient reason.

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 2018-12-18 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I discovered when I purchased a vehicle earlier this month that Home Depot listed my account as being past due by 90 days back in XX/XX/2015. I checked my email to see if they sent me monthly statements and there were no statements. Only when they notified me they were seeking a judgement against me did I receive a statement. It is the one and only time that I was late on any credit card payment, and it is affecting my score. Home Depot continues to let me use my credit card in their store, so they don't mind me using their card. I request this action on my credit score be removed and my credit restored to what it was before this unfortunate lapse in memory and their lack of sending me a monthly statement.

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 2018-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I purchased a new vehicle back in XX/XX/XXXX from a XXXX dealership in XXXX, NY. I traded in a XXXX XXXX XXXX. I had a balance remaining. I made my last payment in the amount of {$340.00} on XX/XX/XXXX. The XXXX dealership paid the remaining balance off. They mailed a check to GM Financial XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX in the amount of {$3700.00}. The check was cashed by GM on XX/XX/XXXX. I have copies of the deposited check. GM was over paid by {$590.00}. I have contacted GM several times regarding my refund. I still as of today XX/XX/XXXX have not received the refund. I was now told that GM will  not process the check until XX/XX/XXXX. This is unacceptable. I paid this vehicle off 2 1/2 months ago. I should not have to wait this long for my money. As I'm writing this complaint GM has me on hold. I can not believe they can take advantage of a consumer by holding their funds for an extended period of time. They just hung up on me after waiting over 15 minutes on hold. Please have them expedite my refund. I do not want to wait until next year. If you need copies of the documentation I have all of it. 
Thank you XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
inaccuracies disputed with TransUnion. 

MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$96.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$96.00} - Individual Payment Details ollection/Chargeoff MEDICAL Open Since XX/XX/XXXX Account Status Derogatory Current Balance {$110.00} Account Details MEDICAL Collection XX/XX/XXXX XX/XX/XXXX {$110.00} - Individual

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 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
This is in regards and follow up to CFPB Complaint # XXXX from XX/XX/XXXX. This is a further complaint against the mortgage company and the escrow analysis shortage on my mortgage account. The response they provided did not answer the complaint as to why the escrow account was in shortage and they did nothing about it for almost a year ( I have only had my mortgage with this company for just over a year ). Furthermore there response that the real estate tax and homeowners insurance had increased which also cause the shortage ( which there was no substantial increase to support it ) is a false claim by the company and I would like to know where they received their data. The XXXX annual amount from XX/XX/XXXX, amount was {$2100.00} ; andXX/XX/XXXX, amount is {$2100.00} ; a difference of {$23.00} ( attached ). Nothing significant that would result in this shortage. 

In addition and even more confusing is that on XX/XX/XXXX, I received an email ( attached ) reminder of my payment for XX/XX/XXXX, and it indicated that the current payment I have is due on XXXX?? Yet, according to the escrow analysis and shortage letter I received in XX/XX/XXXX, it said effective XXXX, my new " mortgage '' payment was increased by {$230.00} ( if I could not pay the lump sum ) ; yet the email contradicts that letter? It more clearly states the financial discord that rests within this company. 

I have been trying to work with this company since they notified me in XX/XX/XXXX, that effective XX/XX/XXXX, I either pay a lump sum of almost {$2900.00} or a monthly increase of {$230.00}. I was willing to work with THEIR ERROR on solutions of a smaller payment spread out over a longer time period ; or take the lump sum out of the interest on the account. I am a faithful consumer to this mortgage, have not missed a payment, and they would not consider this solution or working with me on a fair and ethical solution.. They are at fault for not escrowing the monies appropriately or following up with the consumer that their calculations are off and their financial analysis and reporting are not compliant. There are a lot of reports out about this company about their unfair, unethical, and fraudulent practices when it comes mortgages, escrow accounts, opening false accounts, etc. They have paid in the millions and they are still continuing to do it. I have reached out to Atty General XXXX XXXX 's about this matter and they recommended I contact the CFPB, and I have reached out to MA Senator XXXX XXXX about this matter ( and she herself as gone after this company for their fraudulent practices ). I am single mother of XXXX children and to impose this practice without valid and honest reasoning is unethical to the core.

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 2018-12-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Rodenburg LLP
State: WY

Complaint narrative:
I have two loans that were taken out through XXXX XXXX XXXX. I have several issues with this company. The original amounts of the loans were at XXXX, XXXX it was agreed upon that there was no interest and there now has been interest added. They have a debt collection agency sending notices and threating not only me but my ex husband who through a divorce and a court order was filed no longer liable for the student loans. They are asking for much more than what was taken out on the loan. They are threating to garnish wages and when asked for them to show the proper documents that they own the debt they stated they do not have it. This company has been sued for not being able to show that they have ownership of this loan. I have requested ownership be provided that they own the debt and it has not been provided. I don't feel its fair for this company to request money and threaten me and my ex husband who is no longer liable for the debt to raise the amounts and to collect on and to not show proof they own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have a mortgage with Ditech. Although our taxes did not go up and according to our tax collector we are paid up, the escrow was raised by nearly XXXX  a month more making our escrow amount XXXX per month. There is no reason as to why it went up by that much. I called Ditech and spoke to the escrow dept. and they had no explanation except she said oh well that is what it is. Please help us because this amount is unaffordable to us making us behind. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
We noticed unauthorized charges on our USAA credit card on XX/XX/18. We notified USAA fraud department about these charges and to cancel our card. There were 4 charges at 4 different XXXX XXXX in a matter of a few hours apart in XXXX. All 4 transactions were for over XXXX each. We subsequently called XXXX XXXX ourselves, and they were able to tell us that each of the unauthorized charges were for XXXX XXXX gift cards at each location along with other misc. items XXXX totaling over XXXX ). XXXX XXXX also provided us with the times that these transactions took place. We were not in XXXX on that date or those times, and have always had possession of our card. We assumed the matter had been handled, and we would not be responsible for these charges, since there is a " no liability '' clause in the credit card agreement for unauthorized charges. 
On XX/XX/2018, we noticed the same charges for over XXXX total back on our account. We received NO notification via phone, email, or text as to why the charges were showing up on our account again. We once again, called to cancel our card thinking it was more unauthorized charges. These charges reappeared well over 2 months after we reported them. When talking to the fraud dept., to our surprise, we were told that they could not see fraud on those charges since a chip had been used, and " cards with chips have never been compromised ''. We informed them that we were never out of possession of our card, so that can't be correct. We thought we were alone, but after reading a large number of complaints online about the same thing happening to other customers, we realized there is a serious problem in the USAA banking fraud department. My XXXX had been with USAA for over 40  years and has never encountered such a thing before. We are not responsible for these charges. We need oversight on this company for our sake and the sake of other XXXX families that trusted USAA. We are doing all that we can to rectify this wrong that has been done to us. We have filed police reports, contacted local police where each of the charges occurred, and have been working with XXXX XXXX to get as much information as possible. We were never told what investigations had actually been done by USAA, only that chips can't be compromised. This is not just a few dollars, it is over XXXX dollars and our excellent credit rating is in jeopardy, because we will not pay for something we did not receive. To be totally dismissed by the fraud department is a warning to everyone to get out of this bank as soon as you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2018 my account was compromised with an electronic withdraw of {$390.00} that I did not authorize. I reported the transaction immediately at the XXXX, PA branch and closed the account. I was told that I should be reimbursed for the funds that were taken from my account within 6-8 weeks, it is going on 10 weeks and I have not received my funds back ; the claim is still pending and I feel like I'm getting the run around when I talk to the bank. 

I was mailed out an affidavit to sign and notarize more than a month after the claim was opened ; I have since found out this should have been given to me to me the day XXXX filed the claim or shortly thereafter. I'm certain this would be cleared up by now if the proper steps were taken. 

I have most of my bills paid through automatic withdraw from my creditors and there were a few that were pending, I left money in the account to cover the withdraws for my credit cards. However, there were 2 payments that I was not able to stop, the bank made the payment which overdrew my account. I specifically asked the person that was assisting me with this issue if payments couldn't be stopped and the account became in the negative how that would be handled. She told me that it would be alright, that when the {$390.00} was put back into the account it would cover any overdraw of the account. In the meantime I requested a provision fund deposit ( which I was told could be done ) of the {$390.00} into my account until the claim was settled to cover the negative balance of {$140.00}, this was approved which I have a voicemail stating so. The provisional funds were not deposited and now the bank has charged off the account. I feel that Citizens bank did not do their due diligence in handling my fraud claim starting with not giving me the paperwork that needed to be completed in a timely manner, then by charging off an account that is in a fraud claim status through no fault of my own. 

I have attached a copy of the fraudulent check that Citizens bank paid. The address on the check is not my address, I do not even know where this address is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
During my conversation with an Associate ( XXXX ) with XXXX ; I had requested to defer one payment on my Installment Loan ( # XXXX, Monthly Payment of {$270.00} ) to the end of my Loan ( XXXX, 2019 ) ; due to the fact I lost my job. 

Consequently, I was told by the Associate they couldn't honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Last year this time I hired an agent to short sell my home. I have had two buyers who back out. The last buyer backed out XX/XX/XXXX. The sell was scheduled for XX/XX/XXXX, however my agent was able to get the sale date moved until XX/XX/XXXX. In meantime I received another offer with was submitted XX/XX/XXXX, 30 days before the sale date. I received a letter from the bank acknowledging the receipt of the office XX/XX/XXXX. After some time my agent called the mortgage company she was told that I didn't qualify for a short sale because I hadn't submitted an offer beforeXX/XX/XXXXXXXX she was told I was sent a letter explaining ( first I never received any letter from them ) and my only option was cash for keys. 

After much going back and forth through agent and me even calling it seems that someone made a mistake at the company. The mortgage company needed some additional information that was sent to them however they keep saying the reason they denied it was because of the extra paperwork was not given to them. 

Unfortunately I don't have copies of calls, however they are recorded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number 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