vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 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: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is a victim of identity theft. Her information was used without her consent to attempt to establish several credit accounts with various creditors. Attempts were made to dispute the fraudulent inquiries made into her credit as outlined under the FCRA however  XXXX  (  XXXX  ) of these creditor banks have failed to remove the inquiries from her credit reports  (  which is a violation of the law ).  XXXX    XXXX   XXXX   , CitiBank NA a nd  XXXX   XXXX  have each been notified of this fraudulent data and is some cases the bank was notified in writing twice. Each time was done certified mail with return receipt. The most recent credit reports obtained  XXXX / XXXX / 2017  those inquiries are still being reported.

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 2017-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has provided false information about my student loans stating they will waive interest and late fees by putting my loan in forbearance. My loan has accumulated interest and late fees. I keep getting numerous calls ( 3-5 a day ) When I speak with a Navient Representative they state they will fix the issue but they never do. I am currently not working a lot due to an injury at work and do not have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: FL

Complaint narrative:
My card was stolen from my mailbox and used to make purchases. The bank denies the claims and is offering no help. I need my money to pay my mortgage and car!

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 2017-05-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I had  a  XX/XX/XXXX  stud ent loan originally with  XXXX  that was sold to  XXXX  /USA Funds t hat was not consolidated with my total  Student  loans due to transferring loan providers/attempting to collect while I was still attending school. These smaller loans demanded to be paid the same $  XXXX /mo payments as my large loan which I could not afford while I was in school or after. They went into default before my loans were due for repayment after graduation in  XX/XX/XXXX  because I had no additional income with my large loan taking priority.     In  XX/XX/XXXX , these loans were paid off with the Department of Education. I sent proof to all  XXXX  credit bureaus and everything was reported paid. Last week, I checked my credit status again and found  USA   Funds/  XXXX  was reporting I owed {$19.00} and {$12.00} (  XXXX  totals : {$17.00} & {$10.00} on FAFSA site  XX/XX/XXXX  ) and it has been reported as past due since  XX/XX/XXXX . I have not received an invoice or bill for these outstanding balances . USA Fu nds does n't accept calls.  XXXX  does n't reflect I have an account any longer so I can not access information from them directly. I found that  XXXX   XXXX  in MA is handling their disputes now but no one is providing me any information so I can pay or have these amounts closed.     I understand  USA f unds has agreed to refund $  XXXX  in fees charged, and I am sure they want to get something out of me or  the Dept of Education. However, my debt was paid to the federal direct loan provider, and my balance should reflect {$0.00} owed by USA  Funds/  XXXX   as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Siggi LLC
State: CO

Complaint narrative:
I  XXXX   XXXX    XXXX  . According to my credit report this loan was opened  XXXX   XXXX    XXXX  . The original loan amount was  XXXX , and now it shows  XXXX . I did not take out this loan considering i was  XXXX  to  XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to    XXXX   XXXX  . I called   XXXX   XXXX   to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali.   XXXX   only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with  XXXX  several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We received notice after 9 months of trying to get a HEMP modification that we were approved by our mortgage company,  Select Portfolio Servicing , Inc. NMLS  #  XXXX .   We reviewed the documentation and were happy that we were approved for the 3 month trial payments and that our loan would be modified at 2 % for the remainder of the loan. We were also thrilled that our payments were now affordable.   After mak ing our 3 trial pay ments on time, we received the final modification paperwork that says the loan percentage is now 3.625 % and they want us to pay a balloon payment at the end of 25 years of {$320000.00} on a note that has a principal balance of {$590000.00}!   The numbers do n't add up to us and we feel like we are being taken advantage of ...   To make this worse, the 've given us a 10 day deadline to sign and agree.   This timeline does n't even give us an opportunity to review the modification with an attorney!   Please Help!   Thank you,  XXXX   XXXX  &  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I applied fo r a Chase  XXXX  Card and was denied for " Delinquency or other derogatory relationship with our bank ''. When I called in to find out why, I was told I had a C harge off from  2010 on a Chase Slate for {$4000 .00} something attached to my account.   I never had any chase account i n 2010 let  alone a charge off.   I check my   XXXX   report for this and there was nothing listed so is this a banking side issue or a credit report issue?   When the rep looked it up he said it wasnt mine. I said ok, so how do I remove this from my account. He transfered me to recovery but it was already to late   in the day and no one from that department was working. So I called this morning and the rep said to wait 7-10 business days to call back, no mention of fixing the problem or anything.
Because of this issue I get auto denied for any credit card I apply for.
Please help me remove this from my account Letter refer  ence number #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been a victim of identity theft since at least   X/XX/2017 . I fil ed an initial fraud alert with Experian and they forwarded it to  XXXX  and  XXXX . I received confirmations from Experian ( dated   X/XX/2107  )  and   XXXX  (  dated   X/XX/2017  ) .     Per best practices, I need to review all  XXXX  credit reports for fraudulent activity to correct it as well as to inform the investigating police agency ( The   XXXX   XXXX    [    XXXX   XXXX     XXXX    ] Police Department ) Experian 's information notes " An initial fraud alert entitles you to a copy of all the information in your file at each of the   XXXX   nationwide agencies ... ''.   However, I 've tried the various phone tree options on each of the phone numbers given in the confirmation s (   XXXX ,  XXXX ,  XXXX  ) as well as that of   XXXX   XXXX   XXXX   (  XXXX  ).     No matter which combination I tried, I ended up in the automated phone system to request the standard credit report. Even when I pursued this option it failed because it could not confirm my identity. In another case, because the system hung up on -- selling me -- my  credit score and  would not go on. At no point was I given an option to speak to a human being.     I was repeated referred to  XXXX  and finally tried that. There was no option to request the extra credit report that I am hypothetically entitled to as a victim of identity theft. My attempt to order my   XXXX   credit report failed because I had already requested it once it the last year. My attempt ( on   XXXX   ) to order a second report ( Experian I believe ) failed because my eyes are no longer good enough to pass most Ca ptchas particularly those with ragged text on multi-colored backgrounds and those asking one to click on the pictures that have X ( cars, traffic signs, boats ) in  them.

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 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I am applying for a repayment plan for my mortgage, and the mortgage company and I do not agree on some fees that have been tacked on. As of now, I am 18 months delinquent. The monthly payment is {$320.00} x 18 months = {$5900.00}. Carrington mortgage says I owe {$6900.00}. I understand that there will be late fees.   In  XXXX   XXXX  there was {$450.00} lawyer fees, in  XXXX   XXXX , there was another {$250.00} I do n't understand how I could owe these fees.  Carrington  told me that the fees were all waived. This is the  5th  time I have sent in a request for a repayment plan since  XXXX   XXXX , when they refused my payment and started foreclosure proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX , Equifax, and   XXXX   are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more  than two ye ars and they have not removed them from my credit file.   They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up  in  XX/XX/XXXX  and I need them to fix my credit report asap, please.    CTPB please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ,  XXXX , and Experian are reporting inaccurate creditors and inquiry in my credit profile. I have called every single credit bureau to have them remove the inquiries that were not done by myself have been there for more t han two years and they have not removed them from my credit file.    They are also reporting accounts that have been removed from my files and then reinserted back into my profile. I just spoke with a lady on the phone from   XXXX    and she states that she can not remove any inquiries even if they are fraudulent, so what they are telling us is that anyone crooks can now go ahead and use our identity and it is ok.   they have taken more than 30 days to send my review and most of the time have no respect for the consumer. I am so fed up with the  XXXX  from these companies ruin lives and only pay attention to customers that are paying them monthly for them to monitor their credit it is right now a business.   this type of business need to stop ruining people lives and be fair, I have a closing coming up in  XX/XX/XXXX  and I need them to fix my credit report asap, please.   CTPB please 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 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I sent   XXXX   XXXX   a Debt Validation letter which stated that and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. I also asked for them to pro vide me a 1. breakdown of fees including any collection costs and medical charges. 2. Provide me a copy of my signature with the provider of service to release my medical information to you. 3. C ease any credit bureau reporting until the debt has been validated by me.   I am allowed to request this under the FDCPA.     In return i received a generic statement saying that the debt is mine .    XXXX   XXXX   did not provide any of what I was requesting to validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   VA   XXXX   SS #   XXXX   dob  XX/XX/XXXX  Experian will not remove the unauthorized inquires from my credit report. I sent a certified letter see mail receipt dated   XXXX   XXXX   XXXX  .
for them to investigate and remove the unauthorized inquires.
they have refused to delete the unauthorized inquires!!!!!
Delete the unauthorized inquires see below and see attached letters.
  XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX   Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed   XXXX   Type Sales Financing Company Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Complete Department Stores Phone Number BYMAILONLY Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX    Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX      XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    Date Filed   XXXX   Type Tenant Screeners ( Reseller ) Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   Date Filed   XXXX   Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Bank Credit Cards Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX    XXXX  Date Filed   XXXX    Type Auto Financing Companies Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date Filed   XXXX   Type Finance Companies - non specific Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   XXXX   XXXX   XXXX     XXXX   Date Filed  XX/XX/XXXX  Type Mortgage Reporters Phone Number   XXXX   XXXX   XXXX   XXXX   Address   XXXX   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 non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I have been trying to have been trying to get a short sale offer reviewed for several months now.   Time after time I have been giving misleading or incorrect information about my file and the status of the review. the continue to lie and not review my file. I have had to extend my sheriff sale until the end of  XXXX  to give them enough time to review and still they have not come to a decision. Now I followed up today and was told by  XXXX  agent ID :  XXXX  that file again has been closed out and NEVER reviewed by   XXXX  . This is wrong they have lied to me every time I called and now I might not be able to resolve this issue.     Please see below my calls with several agents AND a Supervisor Spoke to  XXXX  Agent Id :  XXXX  Still no update and currently they do n't have a sale date in their system. Still is showing up in the sheriff listing. Either way he told me to follow up by the end of the week that they did not have an update yet.    XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   -  XXXX   XXXX  Spoke to  XXXX   XXXX  Agent ID :  XXXX  He let me know that the file was submitted to  XXXX  and the review should be completed today. to Follow up tomorrow.    XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -  XXXX   XXXX  Spoke  to Ocwen   XXXX   Agent ID :   XXXX  As of  XXXX   XXXX  a request for the file to be reviewed by  XXXX  team was out in. They now do n't have a sale date in their system so  XXXX  sent the  XXXX  an email to review. she said we should have an update w ithin 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX  -   XXXX   XXXX   Followed up with  XXXX  li en Ocwen. I Sp oke to supervisor  XXXX  agent ID :  XXXX  their system was not updated with new sale date for  XXXX   XXXX  and they were not reviewing the file. I sent the proof sale date has been postponed and they are AGAIN resubmitting the file to  XXXX  team for decision. I was told to fo llow up 24-48hrs.     XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Spoke to  XXXX   Agent I D :  XXXX  from SS department he let me know that their system has not been updated yet with new sale date. That he noated that we received a postponement until the  XXXX  and that the file would be resubmitted. He wants me to follow up Thursday  XXXX   XXXX   XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   Spoke to relationship manager o n the file. the file has been escalated due to the sale date scheduled next friday. they also had me make a correction to the  XXXX . I have another appointment with the relationmanager tomorrow @  XXXX  (   XXXX     XXXX ,   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX  file is complete can take 3-4 business days for decision. have an appointment t for  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a student loan with Wells Fargo Education services. Instead of them calling me only - they have been reaching out to people who have NO association with my loan. In fact, the people they are calling - the only way they could have gotten their information is by   XXXX   people with similar last names. My aunt recieved a call asking for me to collect a debt. She is not a co - signer, not a reference she has absolutley no association with the loan what so ever. I have no idea how they got her phone number, the only thing I can think of is that they   XXXX   my last name and found people in the area to call and try and get a hold of. Extreme harrassment. When I confronted them about the situation they said " we must have dialed the wrong number ... ''. Even though her number again, is not on any account I have with Wells Fargo. They claimed she was put on the do not call list, but there was no reason for her to be called in the first place.

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 2017-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
XXXX ,  XXXX ,  2017  On  XXXX   XXXX ,    2017  I dispatched a payment in the amount of {$41.00} to Walmart Credit Card, my original due date was  XXXX ,  XXXX     2017. A Walmart  operative stated that my payment didnt reach them still  XXXX ,  XXXX   2017 , and I would be charge at late fee of {$37.00} to  bill I told the employee that I brought and mailed my payment from The   XXXX   Postal Office,  and that this negligent was out of my Hands and could have been the Postal Office responsibility.

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