vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I used my Citi Bank credit card to book flight tickets on XX/XX/2018 at XXXX XXXX EST. The round trip itinerary was from XXXX to Washington DC. The transaction amount shown was {$1200.00}. On XX/XX/2018 I realized that I used wrong dates when making the reservation. I requested a cancellation on XXXX XXXX website at XXXX XXXX EST on XX/XX/2018, and then I did receive the cancellation confirmation from XXXX XXXX XXXX ( the Merchant ) stating that they had received my request. 

On the Merchants website it stated that Notwithstanding any contrary booking terms and conditions and/or fare rules, for online bookings made via our US Website, and seven days before departure, you may cancel the paid reservations within 24 hours after purchase for a full refund in accordance with our refund process set out at Changes, Cancellation and Refund. 
I contacted Citi Bank and opened a dispute on XX/XX/2018 regarding this charge as I hadnt received refund from the Merchant.

Citi Bank asked me to provide supporting documentation, I submitted the booking confirmation email as well as the cancellation email, both sent from the Merchant.

Citi Bank then contacted the Merchant but then declined my dispute as the Merchant told them the tickets were non-refundable. 

According to Department of Transportations rule ( see : https : XXXX ) as well as being stated on the Merchants website, the tickets I bought were eligible to get a full refund.

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 2019-01-25 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, equifax, XXXX  and XXXX  to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada)
State: OK

Complaint narrative:
I checked my credit and Allied Collection service has place a.collection on my credit for {$250.00} They show the account open 3 months ago. I never had any communication with them. I sent them a debt validation letter ( certified mail ) over 30days ago and still haven't received anything I do not owe this

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 2019-01-25 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: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
I made all my truck payment on time since XX/XX/2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted credit acceptance and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXXcredit acceptance took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the 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 2019-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full years before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has admitted in a CFPB complaint that the company did not comply with the reaffirmation agreement until XXXX that was 2 years after the company began servicing the loan. From XX/XX/XXXX until the loan was adjusted Ocwen failed to stay in contact with the debtor allowing the loan to go further in debt making a greater hardship on the debtor. XXXX XXXX XXXX now has came forth and is wanting to remedy the loan and make the debtor whole again.

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 2019-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent a request to XXXX  on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on

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 2019-01-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, XXXX, XXXX and experian to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD 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 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent Transunion a request to remove a dismissed bankruptcy on my credit file o XX/XX/2018 and they signed for it on XX/XX/2018 which I have proof of them receiving and signing for. I then sent a follow up letter on XX/XX/2018 requesting that they remove it due to not responding in the allotted time frame of 30 days and they sent a letter explaining the investigation procedures on XX/XX/2018. They violated the law FCRA and must by law remove this item.

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 2019-01-25 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Sometime in XX/XX/2017 I became aware of a collection item on my credit report. 

The collection agency is Southwest Credit System representing XXXX XXXX of XXXX  CA. 

I became aware of this collection on my credit report 1 month aftrer it was initiated. I was surprised and appauled that XXXX had turned this account over to collection. 

In XXXX, 2017 I received a notice reflecting {$80.00} due from a tow on an account I shared with my daughter. I called XXXX and I can't remember the exact details but we reviewed the account and agreed that I didn't owed {$80.00} but discovered that XXXX in fact owed me {$19.00}. I don't remember all of the details. The XXXX agent told me that I would be receiving the refund check in the mail. 

Needless to say, when I discovered in XXXX, 2017 that the debt had been turned over for collections I was very upset and perplexed. 

I called Southwest Credit Systems and was told that they could only collect the debt but couldn't help me with my story about not owing and the conversation/refund I spoke with the XXXX agent about. 

I then tried calling XXXX who told me that they could not access the records nor could they find any conversations on my account. I believe that by this time my daughter had her own account so the account numbers had changed. 

At this point, I just wanted to pay the balance so it would no longer reflect as an unpaid collection on my credit report. I explained to the Southwest Credit representative that I was paying it so my credit would not be destroyed but that I didn't owe it. 

Sometime after I paid the {$80.00} to Southwest Credit, I discovered that I didn't even cash the refund check remitted by XXXX because I was holding on to it thinking it would help resolve the matter. I filed the check and the notice ( originally received that initiated the phone call resulting in a refund ) thinking I would receive additional correspondence from XXXX. I never did. I subsequently discovered the negative collection on my credit report. 

After I found the notice and the check, I called Southwest Credit back hoping they would review the documents and refund my monies and remove the negative collection from my credit report. 

However, when I called Southwest Credit I was again told there was nothing they could do. 

Now, I am refinancing and this negative collection is driving down my credit score. It's very unfair that consumers get caught in the loop between collection agencies and vendor errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: WA

Complaint narrative:
I made all my truck payment on time since XXXX of 2017. That's when I took out the Loan never Missed I payment till XXXX. I had a death in the Family and could not make the Payment by the due date. I contacted XXXX XXXX and told the money was not in my checking account for the XXXX XXXX payment. The payment was due on the XX/XX/XXXX but since I had auto payment the payment was moved to the XX/XX/XXXX. I made a double payment on the XX/XX/XXXX, Then on the XX/XX/XXXX XXXX XXXX took out of my checking account another Payment for XXXX which is the XXXX payment so if they take the auto payment out on the XX/XX/XXXX of Month for the last 17 Months why would my payment be 30 Days Late if I made the payment on XX/XX/XXXX That is 30 days and they can not call it late till the 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 2019-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
Medical debt. Whenever I ask for information about the debt I am not provided/ or the " debt '' is shuffled to another collection agency. I have no idea what this is about nor have I received any info that correlates to this company or this amount. Of course this " company '' has no way to be contacted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Just want to clear something up you say in your letter During a conversation with us while you were in the store, you passed our Fraud verification process and verified the charges were legitimate. Can you please provide the physical evidence I was in the store. You are accusing me of something which Im fine with Please prove I was in the store at the time. Like I said before you WILL respond whether you like it or not and I will not stop writing letters until I get every single detail. please provide proof/evidence I was in the store at the time.

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 2019-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Ditech Financial LLC
State: CO

Complaint narrative:
My then-wife ( now ex-wife ) XXXX and I had a first and second mortgage on a house we owned in XXXX XXXX, Colorado, several years ago. We purchased it in XXXX for approximately {$420000.00}. XXXX subsequently and irretrievably lost her job as a XXXX  XXXX due to XXXX XXXX XXXX XXXX XXXX and we were unable to afford both mortgages. We applied for mortgage relief, including a negotiation for a short-sale on the second mortgage. The first mortgage company was going to be fully repaid regardless of the outcome, as the first mortgage balance ( {$310000.00} ) was well below the market value of the property at the time of resale ( {$370000.00} ). The second mortgage holder was unwilling to budge, despite the fact we received two real estate contracts to sell the property for significantly above the balance of the first mortgage ( contract amounts of {$370000.00} ), yet below the then-existing market value, which was at the depths of the mortgage valuation crisis in the U.S. We negotiated in good faith for over a year, which included paying the full monthly second-mortgage payment during the entire negotiation period, which they vaguely promised would result in a positive outcome. Yet, we had zero success in reaching an agreement with our second mortgage holder. The first mortgage holder, having no incentive to delay foreclosure, foreclosed, which under Colorado law, caused all junior liens to drop off as a matter of law, as though they had never existed. We then filed for chapter XXXX bankruptcy to discharge the then-existing unsecured debt, which was discharged in XXXX, including the prior second mortgage. 

The second mortgage company, whose lien was removed as a matter of law at the public trustee 's sale in XXXX, and whose loan obligation was discharged at bankruptcy in XXXX, has now refused to deleted the {$170000.00} lien amount from my personal credit report. This has resulted in my inability to qualify for an otherwise attainable FHA loan. 

I am requesting relief of the inaccurate credit report which shows a {$170000.00} balance to Ditech. The loan balance was discharged through bankruptcy, and the lien was removed as a matter of law. And we have no longer owned the subject property since the public trustee 's sale in XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am a victim of ID Theft. I was contacted by the U.S. Secret Service that someone was using my name and SS information. I was informed that XXXX XXXX was arrested and is currently standing trail in US Court. I have been working to clear up fraud on my credit with XXXX XXXX XXXX. When I was contacted that someone was trying to get a job and car in my name in XXXX PA, thats when I pulled my credit report I found more activity that was not mine. I found that accounts she opened are in collections and taxes was filed under my name and my children were claimed on taxes. I am not sure when my birth certificate and SS were stolen somewhere between XX/XX/XXXX-XX/XX/XXXX. The Following accounts are not mine XXXX XXXX XXXX IRS Tax {$13000.00}. Please send my file back to the IRS Fraud dept and please contact the Secret Service ASAP.

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 2019-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
XXXX  XXXX put an In Collection/charge off status in my account. This derogatory mark has blocked me from getting credit cards, Business opportunities, Apartments to rent, personal loans and others. 

I was never called or notified by this company about this problem. All I know is that I helped a friend buy a car and now he is in prison and the police confiscated the vehicle. He stopped making payments because of this situation and maybe that's why XXXX decided to close the account and put it in my credit. 

However, they never call me once to work out a deal or to ask me what is going on ; thus, I never thought of it, since I did not even have access to this account! 

They just decided to put this derogatory mark on my credit and trying to ruin my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm a XXXX  student who has been a lender with U.S. Department of Education for several years. This month I was unable to get funds because, upon checking my credit history with Equifax, U.S. Dept of Education received a response that I have no file existing. 
I mailed Equifax a package of my identity documents ( passport photo page, front of social security card, copy of a current lease and the certificate of a recent name change ) and still received a reply that I have no credit history with them. I know XXXX XXXX, with whom I carry an account, reports to Equifax. I have a credit score with XXXX  and XXXX. 
I had a legal name change in XX/XX/2018 upon gaining US citizenship ; I updated my social security account and also mailed Equifax a court order of name change, to facilitate the search for my file. 
I'd like to resolve the issue as soon as possible because my current academic enrollment is in jeopardy.

Company response to consumer: Closed with non-monetary relief