vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
I was awarded a home in a domestic divorce settlement which was already in default .I contacted my lender to do any first loan modification I submitted each document that was asked for .After checking on it for every other week I kept getting a rep saying they will get back with me.To no avail nobody did .I was scared so I filed bankruptcy to give me sometime to decide what to do .I later decided to dismiss my bankruptcy and try again with my lender .I spoke with another rep at the loan company and this time I spike with an intake rep that took my info .She even asked me if I could come up with XXXX I told her I could in about three weeks .She proceeded getting all my info .She said I would receive another packet and to submit all documents it tells me too .Once again I submitted all documents I doubled check everything .i even called the loan office to speak with someone in the loan litigation dept but was told I couldn't but the lady I did soeak with told me she used to work in a LM dept at another job and could help me make sure i had everthing correct .After soeaking with her I felt confident..Well after checking on my loan modification again like before I was still getting the run around .I finally spoke with a rep that said Mrs.XXXX  just send in something ( $ $ ) until you get your answers but I didn't because I needed to know that they would just take my money and still foreclose on my home .I tried going online ( my account at ditech ) to make a payment but later found out I couldn't unless it was the full amount .30 days later I get a lbetter saying I had 30 days to respond to decide what I wanted to do about my home and it listed options ..Loan modification was another options so I tried again yet no success .I just received a letter on XX/XX/XXXX saying they received what I submitted and are still working on it .Then recently I received another letter saying more documents were missed again .I really need help .Because yesterday I received a letter from a random lawyer ( XXXX XXXX XXXX ) saying he saw where my lender filed a foreclosure proceedings just been started against me based on public records available at SC judicial dept website. 
Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: IL

Complaint narrative:
INACCURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT

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 2020-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I opened a checking and savings account with Citi bank with promotional offer that if I deposit XXXX on to savings and if I have direct deposit for 3 months on to my checking account I get bonus of XXXX $ within 90 days of opening and maintaining balance..I called customer care after 90 days and their representative told me it will be 120 days..I waited till 120 days then called again..this time the person told I have to wait for 150 days to get the money ..after 6 months nothing happened and i closed the account..citibank are the real cheaters

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 2020-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
VISA CHECKCARD OR prepaid digital wallet access to my SOLE account at bank of America XXXX XXXX XXXX XXXX  XXXX VA THRU VISA CARDS OF SOME TYPE ongoing from XXXX. 
I OBTAINED THE VISA card used the LAST 4 DIGITS USED ON reservations made on my name in XXXX and XXXX from XXXX XXXX XXXX XXXX Florida.records attached and stating Visa Card numbers used XXXX and XXXX ... Boa XXXX extensive reviews attached XX/XX/XXXX record 2 cards issued to me as Visa. 
XXXX XX/XX/XXXX to present And XXXX used for 30 days temporary XX/XX/XXXX card issued and then closed XXXX due to received my XXXX card number I wanted to keep. 
These VISA cards DEDUCTED THE MONEY OUT OF MY SOLE ACCOUNT XXXX BUT THE LAST 4 DIGITS DO NOT MATCH WITH THE NUMBETS ON MY BANK STATEMENT recorded on my boa sole account statements as those visa numbers..why???

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 2020-02-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX my Chase Visa Card was charged 77 ( seventy seven ) times with unauthorized charges. 76 ( seventy six ) of the charges were for {$200.00} each ( XXXX XXXX ) to  the same merchant. One charge was for {$600.00} ( XXXX XXXX ) to a different merchant. 
I called Chase in XXXX of XXXX immediately after I made the discovery of the charges. They subsequently removed the charges from my account. On XX/XX/XXXX Chase called and said I will have to pay the charges. They were not on my XX/XX/XXXX to XX/XX/XXXX statement but I do see the amount as of today on my Internet statement. 
Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-03 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
First off I have 2 other complaints pending as of XXXX XXXX this is my third after trying to speak with someone all last week about this issue none has called me back and now not only have they taken the overdraft balance {$370.00} they took {$400.00} that is $ XXXXover So this is my third complaint about the same issue thank you

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 2020-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted the Experian several time about this inaccurate information. I have disputed XXXX XXXX XXXX XXXX numerous of times. The company stated that they have validated this as my account without proof of signature or identification. Please help me rectify this matter.

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 2020-02-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Experian for the past year about this inaccurate information. XXXX XXXX account XXXX. I have asked them to send me information verifying that this information is true. I have previous been a victim of fraud.

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 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian is reporting late payments on 5 student loan accounts ( XXXX ) from XX/XX/XXXX thru XX/XX/XXXX. However, the accounts were in deferment status during these dates. Evidence has been provided to Experian, which disclose the terms of XXXX for deferment. The terms clearly state that deferment will start on the later of the " Deferment date requested '' or " date person is eligible for deferment ''. Note that the deferment date requested was XX/XX/XXXX and I have met criteria to be eligible for deferment due to economic hardship, my entire adult life, based on low income. See enclosed documentation as evidence. In addition, Experian should be aware that the United States of America and the Consumer Financial Protection Bureau has sued Navient for violating the Fair Credit Reporting Act, which is public knowledge. This type of false reporting is exactly what is listed in the lawsuit.

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 2020-02-03 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: NY

Complaint narrative:
Fraud alert removal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My fraud alerts are on my credit report

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern The credit card companies like XXXX card and synchrony recently they are dropping my credit lines citi from XXXX. Dollars to XXXX and synchrony from XXXX. Dollars to XXXX dollars all my limit are being discriminated against me the credit card company never notified till after they did these on XX/XX/XXXX my credit has not changed the companies blame the credit bureaus? They say call them I hope you can do something because this is unfair they charged me all this interest I hurried up worked hard to pay off all limits then they did this. My credit is XXXX in XXXX was XXXX in XXXX there unfairly treating the citizens

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 2020-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCE CORPORATION
State: VA

Complaint narrative:
I CONTACT XXXX BY PHONE TO INFORM THEM ABOUT ABOUT THERE WAS SOME INQUIRY ON MY CREDIT REPORT THAT I DIDNT AUTHORIZED. I THEN CONTACT THE CREDITOR ABOUT AND I COULDNT GET THROUGH ON THE PHONE. I SENT LETTERS TO THESE CREDITOR ABOUT AND NOTHING. I NEVER AUTHORIZED ONE MAIN FINANCIAL ON XX/XX/ 2019 TO RUN MY CREDIT. I DIDNT NOT SIGN AND DOCUMENTS WITH MY NAME ON IT. XXXX XXXX XXXX XXXX WHICH WAS XX/XX/ 2019 I DIDNT AUTHORIZE THEM TO RUN MY CREDIT REPORT AT ALL. TO XXXX ONE MAIN FINANCIAL AND XXXX XXXX XXXX XXXX THIS IS TO CEASE YOUR AUTHORIZATION ON MY CREDIT REPORT. TO MY KNOWLEDGE I HAVE NOT SIGN ANY DOCUMENTS AUTHORIZING YOUR ORGANIZATION TO VIEW MY CREDIT HISTORY THEREFORE YOUR INQUIRES INTO MY CREDIT REPORT VIOLATES THE FAIR CREDIT REPORTING ACT SECTION 1681B I REQUESTED THIS TO BE REMOVED OFF OF MY CREDIT REPORT IMMEDIATELLY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: NY

Complaint narrative:
My fraud alerts are on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My fraud alerts are on my credit report

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 2020-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
I have recast our mortgage by paying {$100000.00} toward the principal ; reducing the principal from roughly XXXX to XXXX. The mortgage service provider - AmeriHome Mortgage - received the wired money on XXXX XXXX. I am having two issues with AmeriHome : 1. They want to charge {$250.00} for the mortgage recast. Before we refinanced our loan in late 2019, I was looking to recast our mortgage for the same amount down ( {$100000.00} ) with XXXX - our loan service provider. They were only going to charge {$50.00}. Given that that AmeriHome 's charge is 5x as much as XXXX, I find the the {$250.00} charge a penalty for early payment toward my mortgage. This goes against the loan agreement that I signed when refinancing the loan, as this is a penalty, not a service fee. I am happy to pay {$50.00}, as that seems reasonable, but it is not my responsibility to cover AmeriHome 's poor administrative operations that may require a 5x charge versus their competitor. I have contacted AmeriHome several times by email regarding this issue, and they have not responded favorably.

2. We have been trying to set up regular payment from my wife 's bank account for the new loan amount. However, AmeriHome 's website is not allowing us to set up they payment for what is stated in the contract. In fact, they are insisting on-line that we pay the old payment amount, which is about {$500.00} more monthly that the recasted amount. We have a contract that we will be notarizing to send to AmeriHome, that specifically states the amount that we are trying to set up for automatic payment. Upon speaking to an agent for AmeriHome, they said that they should have the amount corrected by the end of the week, but that we would only have a week to get it set up - by XX/XX/XXXX. Why does it take them 3 weeks ( from receipt of the XXXX ) to enter proper coding, but they only give us 1 week to set up payment? It looks like they are trying to make us fail in the payment.

I am having a hard time with AmeriHome as a customer. XXXX was so much superior to AmeriHome, and I wish they were handling our mortgage. AmeriHome is not customer friendly, they are usurious and they are going against the contractual agreement that we signed with our refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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:
I identified a fraudulent credit inquiry on my Transunion report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 XXXX  XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. Transunion will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.

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 2020-02-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Conn's, Inc.
State: TX

Complaint narrative:
I went to the Conns store to purchase appliances. I decided to finance the products with their card. It was not until AFTER my credit was checked that I was told about a {$100.00} processing fee and a fee for possibly loss of the appliances. I am not sure why this is required as I have home owners insurance should the items be stolen. Had this been told to me prior to agreeing to the inquiry on my credit, I never would have allowed it. This is unscrupulous and predatory lending. I understand I could have backed out at that point ; however, the inquiry was already made and I did not want an inquiry with a trade line associated added to my credit report. Additionally, when the appliances were delivered, the delivery people took my front door of the hinges and it has never been the same. When they left and I attempted to leave, the door came off in my hands. Yes, they came back to fix it but it came off again they had to make another trip out. The driver stated that my door only had 2 screws in it. That is not true and when he came off a couple of days later, I had someone that I had to pay come out and they said there were more in there and they didnt put it back correctly. Additionally, when I received the merchandise it was dented in a few places and I was told that some money ( well over the {$200.00} mark ) would be taken off my account ; however, it was not and that is not enough for the dented merchandise. I am completely dissatisfied with the service and the lending practices they use to get people. They should never been allowed to lend or at least be made to advise of ALL fees before pulling a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
Someone stole my identity to make a car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: PA

Complaint narrative:
I identified a fraudulent credit inquiry on my XXXX  report. A fraudulent hard credit inquiry occurred on XX/XX/2019. The inquiry shows up as ACE CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2019 CUSTOMER XXXX via XXXXACE  CASH EXPRESS XXXX XXXX XXXX , XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/2019 I did not make this inquiry. XXXX  will not investigate and says it was a legit inquiry with valid information and they want a letter from Ace. Ace tells me they have no records of me in their systems - leaving me as the consumer stuck in the middle with no recourse or action.

Company response to consumer: Closed with explanation