vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my Transunion and XXXX  report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX.  I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.

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 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX Wells Fargo put forced placed insurance on my home in the amount of {$1700.00}. 
On XX/XX/XXXX Wells Fargo partially refunded my account after I provided proof of insurance. 
They refunded {$1000.00} on XX/XX/XXXX. 
On XX/XX/XXXX Wells Fargo fully refunded my account after a barrage of phone calls by me. 
They refunded {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX I requested Wells Fargo update my final payment statement to reflect these changes. 
On XX/XX/XXXX I called Wells Fargo re-requesting an updated final payment statement. 
During that conversation a Wells Fargo representative assured me that the final payment statement would be completed by XX/XX/XXXX and that the amount of my final payment would be reflected on my account at the Wells Fargo website. 
It is now XX/XX/XXXX and Wells Fargo has not updated my account to reflect the refunds they have issued. 
As of XX/XX/XXXX Wells Fargo shows my final payment as {$2000.00}. My final payment should be {$1000.00}.

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 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I took advantage of a 0 % interest balance transfer offer and transferred {$8000.00} onto my credit card. At the time, my credit card balance ( on " purchases '' ) was {$300.00}. In XX/XX/XXXX and XX/XX/XXXX, my monthly payments were large enough to payoff all purchases made in those months and little if any interest was charged to me. Typically, I use this and other credit cards judiciously by paying off purchase balances each month to minimize interest charges. 
In XXXX, we made multiple pre-purchases for an upcoming trip to XXXX using this card because one of it's benefits is no foreign transaction fees. ( The card has a $ XXXX/year fee. ) To minimize interest on these purchases, I made multiple online payments within days of the purchase transactions to Chase. 
Herein lies the problem. Payments are supposed to be applied to monthly minimum due first, next against the balances with the highest interest rates, and then to balances with lower rates. On my XX/XX/XXXX statement, this did not happen. The large payments I made were first applied to a small minimum due and then applied to my balance transfer balance ( 0 % interest rate ) and not against the purchase balance ( 23.74 % interest rate ). I was billed interest on over {$4000.00} I purchases even though I made payments to cover the purchases. it appears the same thing will happen until the balance transfer amount is paid off. 
This is blatantly unfair and I question the legality of what appears to be a bait and switch practice. Essentially, because I took advantage of the balance transfer offer, I can not apply payments against the higher interest purchases balance without first paying off the balance transfer amount, far ahead of the end date stipulated in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My ex-husband had deeded and titled the property to me with the agreement he would be removed from the mortgage and be absolved from all responsibility of the property. Upon making the payment as the sole resident of the property since XX/XX/XXXX, I had then submitted proof to GMAC who was the then mortgage holder that I was the sole person responsible for the mortgage. I was then given an assumption by GMAC removing my ex husband from the mortgage statements, tax statements and credit reporting. I had an adjustable mortgage at the time and had been alarmed by a sudden hike in my mortgage in XX/XX/XXXXand had applied for a loan modification. I also had to submit proof I was the sole owner of the said property and was granted a modification as such. GMAC then sold my loan to OCWEN who had initially been sending my tax and mortgage statements with my name solely on the documents. Then suddenly in XX/XX/XXXX, the same year they had taken over. My ex husbands name had started to reappear on my tax statements and then my mortgage statements again. When I addressed OCWEN about this situation they claimed at first they hadn't received all of the documents related to my account from GMAC and it would take months to receive all documents. I waited for many months which turned into years and tried to revisit the situation again. OCWEN then had a representative send me a letter stating they saw the assumption paperwork but since it had not been completed they placed my ex husbands name back onto my account and also started reporting on his credit again. Since this was a violation of our agreement and court decision in Family Court my ex husband has taken action which a Family Court Judge had threatened sanctions on me if I do not correct this issue within 120 days from XX/XX/XXXX. During that prior court proceeding last year dated XX/XX/XXXX, the judge did decide I had shown sufficient proof I had attempted to do what the agreement claimed. My ex husband has since re married and has a mortgage currently with his current wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, I have tried on numerous occasions to unlock my online account by calling TD Card Services only to be put on hold for over 10 minutes each time with no CSR answering the call. I am trying to resolve the following : 1. Unlock my account access 2. Redeem my rewards points for cash by sending a check to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched. 
Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate account information is reporting on my credit report. Account number XXXX from XXXX XXXX for {$580.00} continues to remain on my XXXX and Experian report after several attempts to dispute it with with both credit bureaus. This account was disputed and deleted from my XXXX  report on the dates of XX/XX/XXXX, XX/XX/XXXX. I have documentation to verify this. 

Which means that it was added back to my account twice illegally under a different amount, {$580.00} without any notification.

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 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Ive been receiving harassment calls for almost a year and tried disputing this fraudulent account Im not liable for several times. Now Im being threatened to be exposed on local newspapers also posting documents regarding this debt in 3 public places. They are now stalking me to job and home also left a paper stating its from a XXXX XXXX XXXX on XX/XX/2018. Its not my debt! Its scaring my family that random people are filling us trying to serve us documents. The debt collector is XXXX XXXX XXXX and contact information on the letter posted on my door is 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 2018-05-07 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The Experian free annual credit report does not print correctly. I printed all 3 credit reports from Experian, XXXX, and XXXX, and all were fine except for Experian. Their page/report is formatted in such a manner that there is a lot of blank space on the left portion of the page and the information on the right side of the page ends up being cut off. I tried printing the report in different orientations ( landscape and portrait ), different zoom levels, etc., and results were always the same. 

Information cut off when printing the report includes : My Name Balance Balance Updated Date Recent Payment Amount Monthly Payment Amount Credit Limit Highest Balance Terms Sample Provided with personal information redacted. 

Neither XXXX nor XXXX had this issue. In fact both them offer an option to download the report as a PDF, thus avoiding website formatting issues or incompatibilities with certain browsers ( I use XXXX ). Not only is Experian 's website unable to format the report in a manner that can be printed, but they also don't offer the report for download as a PDF. 

It appears to me that Experian have chosen to go out of their way in order to snub US citizens who chose to exercise their right to receive a free copy of their annual credit report. I can only assume the reports they sell on their website do not come with the " limitations '' that are included in the free 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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following credit hard inquiries on my Trans Union credit report is fraudulent, unauthorized, not mine and dont belong to me : XXXX, XX/XX/XXXXand 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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I want Trans Union to add my employer to my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX, XXXX   Position : XXXX XXXX XXXX, Yearly Salary : {$350000.00}.

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 2018-05-07 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: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XX/XX/2012 First Reported XXXX XXXX XXXX XXXX Original Creditor I have never stay in this apartment. This apartment is in XXXX mi XXXX XXXX Is my sister There are a great of names on my credit report thats not mine XXXX forrer XXXX Michigan XXXX This the only address that should be on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
A debt that I never owed from XXXX XXXX was just updated on my credit report from XXXX XXXX. I have never had this debt but they continue to harass me about it without showing me proof of my old account they claim I had with XXXX XXXX. This dropped my credit score. XX/XX/2018 it says it was opened. I received a letter from them saying they will accept half the amount if I paid 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 explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, someone has access to my equifax credit report and keep making disputes resulting in lowering my credit score for example all these accounts had received disputes which i never did ( ( XXXX   XXXX/XXXX XXXX  ) ) ( ( XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX XXXX ) ) ( ( XXXX/XXXX  ) ) i tried to contact one of them ( XXXX XXXX ) to see who made the dispute, they said they received the dispute from Equifax on XX/XX/XXXX Which i never did ( check the attachment for their answer ) Please Equifax Protect my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with EQUIFAX regarding inaccurate credit report. I filed bankruptcy 10 years ago and this should not be on my credit report according to Fair Credit Reporting Act. EQUIFAX did an investigation, but did not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My home was approved for foreclosure sale on XX/XX/XXXX.  Signed by Judge XXXX XXXX on XX/XX/XXXX of the Circuit Court for XXXX XXXX County Maryland. The Order says XXXX XXXX, XXXX, Et Al vs. XXXX XXXX ; Case # XXXX. My house at XXXX XXXX XXXX, XXXX, MD.was sold at at auction on XX/XX/XXXX. Listening to the law firm used XXXX XXXX XXXX, XXXX the advertisement was done before the order. I was told it was legal and other lawyers at Foreclosure hotline say that my house was illegally sold before proper advertising or my notification was done. The mortgage company was Shellpoint Mortgage Services. Also Shellpoint purchased my house at auction before the Order Authorizing Foreclosure sale was issued by the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
In XX/XX/XXXX I filed an insurance claim to have my roof fixed with XXXX the claim was approved and a three party check was issued in the amount of {$20000.00} and some change. The mortgage company is finding arbitrary reasons not to release the check.

The first the pages of the claim did not have the claim number on each page 26 pages were faxed over.

Then a the docs faxed from XXXX was missing a cover sheet.

Next on t

he XXXX box 3 was not filled in. On the XXXX  th
at the contractors the signature was to light then the date on the form was scratched through and corrected to the current date.

Now the version XXXX is not the current year the version the sent us was XX/XX/XXXX and must be XX/XX/XXXX however this is what was provided to us.

I requested a new XXXX to be faxed to me on XX/XX/XXXX I was told by a person named XXXX it could take up to 24 hrs to receive. I have not received it.

I the

XXXX be faxed to the contractor he has not received it. when you send in a for the mortgage claims it takes 24-36 hr
turn around time for them to review the documents.

I need my roof fixed there is no logical reason it should take 4 months to process a claim check.

In the meantime I also requested a loan payoff sheet from SLS twice and have not received that either.

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 2018-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter certified return receipt to Transunion to remove inaccurate/ incorrect information in my credit file. My only employer is XXXX XXXX XXXX. I asked that they update it and remove incorrect employers. I have one 1 job. Transunion removed the wrong items after several phones on XX/XX/XXXX and now I've noticed that they have put 2 incorrect employers back in my credit file.

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 2018-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charges a XXXX $ maintenence fee despite the account in questiom being above the required amount for fees to encure. The account also had a monthly deposit of XXXX $ into it, another requirement by the bank if you want to avoid the XXXX $ monthly fee. Despite all this, I still have XXXX $ taken from the  account for a " maintenence '' fee every month. 
I went to meet with a banker the first time I noticed this and was under the assumption that the issue had been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I do not have a signed contract or any contract Enhanced Recovery company.I have never done business with this company.I am not liable for collection of this debt from XXXX.I am not responsible for this debt with Enhanced Recovery company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
report number XXXX account summery : XXXX EQUIFAX XXXX I HAVE BN. SEENDING LETTERS TO EA.COMPANY THAT THE AVERAGE ACCOUNT AGE : 2YRS ... .. 9MO.

OLDEST ACCOUNT : 8YRS. ... ... 20 I CALLED AND ASK TO REMOVE THOS OF MY CREDIT REPORT .NEVER HAD THEM .I LIKE TO KNOW WHAT ARE THY FR. I WANT COPIES OF THES LOANS ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc.
State: NJ

Complaint narrative:
at the time of service insurance was verified and approved to render services. i was not contacted by phone or mail of this debt or my right to dispiute it before going on my credit report. i am XXXX  and unable to pay this debt. the debtor are aware of my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief